Market Research Logo

The Cards and Payments Industry in France: Emerging Trends and Opportunities to 2020

The Cards and Payments Industry in France: Emerging Trends and Opportunities to 2020

Synopsis

Timetric’s 'The Cards and Payments Industry in France: Emerging Trends and Opportunities to 2020' report provides detailed analysis of market trends in France's cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including check payments, credit transfers, direct debits, payment cards and cash transactions during the review period (2011–2015).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, and transaction values and volumes during the review period and over the forecast period (2016–2020). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together Timetric’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies, recent changes in regulatory structure, card fraud statistics and profiles of card issuers operating in the country.

Summary

Timetric’s 'The Cards and Payments Industry in France: Emerging Trends and Opportunities to 2020' report provides top-level market analysis, information and insights into France's cards and payments industry, including:

  • Current and forecast values for each market in France's cards and payments industry, including debit card, credit and charge cards. It also includes detailed analysis of the prepaid card market.
  • Detailed insights into payment instruments including credit transfers, cash transactions, checks, direct debits and payment cards. It also, includes an overview of the country's key alternative payment instruments.
  • E-commerce market analysis and online payment types.
  • Analysis of various market drivers and regulations governing France's cards and payments industry.
  • Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
  • Comprehensive analysis of consumer attitudes and buying preferences for cards.
  • The competitive landscape of France's cards and payments industry.
Scope
  • This report provides a comprehensive analysis of France's cards and payments industry.
  • It provides current values for France's cards and payments industry for 2015, and forecast figures to 2020.
  • It details the different demographic, economic, infrastructural and business drivers affecting France's cards and payments industry.
  • It outlines the current regulatory framework in the industry.
  • It details marketing strategies used by various banks and other institutions.
  • It profiles major banks in France's cards and payments industry.
Reasons To Buy
  • Make strategic business decisions, using top-level historic and forecast market data, related to France's cards and payments industry and each market within it.
  • Understand the key market trends and growth opportunities in France's cards and payments industry.
  • Assess the competitive dynamics in France's cards and payments industry.
  • Gain insights into marketing strategies used for various card types in France.
  • Gain insights into key regulations governing France's cards and payments industry.
Key Highlights
  • The French payment cards market has seen the uptake of contactless technology. According to the French Association of Contactless Mobile (AFSCM), the number of contactless transactions increased rapidly to reach 40.0 million in March 2016 – an increase of 17.3% over February 2016. The contactless card payments registered a staggering year-on-year growth of 171% in March 2016. In this regard, banks and telecom operators are launching contactless mobile payment (m-payment) services. One of the latest of these is the Crédit Mutuel-CIC app introduced by Crédit Mutuel in partnership with the m-payment solution provider Airtag in November 2015. Similarly, BNP Paribas expanded its KIX contactless payments service in April 2014, allowing its customers to make contactless payments for purchases of up to US$333.2 (EUR300) with a monthly ceiling of US$1,666.1 (EUR1,500). However, users must enter their PIN for payments over US$22.2 (EUR20). These moves are anticipated to further increase contactless transactions in France.
  • To increase the uptake of mobile POS (mPOS) among small merchants, solution providers are offering terminals at lower costs. According to a 2014 study by Visa Europe, there were 730,000 small and medium enterprises (SMEs) in the country who are equipped with smartphones but who do not accept card payments. Therefore, POS terminal manufacturers are introducing low-cost terminals to increase merchant adoption. For example, iZettle launched a card reader exclusively for small merchants in May 2015, allowing them to accept m-payments by simply connecting the reader to a smartphone. Similarly, Payleven and SumUp offer low-cost card readers for small merchants. The introduction of low-cost solutions is anticipated to encourage merchants to accept card-based payments, further driving payment card transaction volumes and values.
  • Despite the availability of secure online payment solutions Verified by Visa and MasterCard Secure Code, online card fraud grew during the review period (2011–2015). Card-not-present fraud accounted for 66.0%, the highest share of the total fraud registered in 2015. To curb this, banks in France are experimenting with new a technology called ‘motion code’ solution, under which the three-digit security (CVV) code on the back of the card is replaced with a mini-screen which displays a code that changes automatically at regular intervals. The project was undertaken by BPCE and BNP Paribas in partnership with Oberthur Technologies, and is presently under pilot. The two banks are planning to roll out the solution over the course of 2016. This additional security is anticipated to reduce the probability of cards being used for fraudulent transactions online.


  • Definitions and Methodology
    • Definitions
      • Table Key Definitions
    • Methodology
      • Table Annual Average Exchange Rate
  • Key Facts and Events
    • Table France - Key Facts, 2015
    • Table Regional Benchmarking of France Payment Cards, 2015
  • Executive Summary
  • Payment Instruments
    • Current Payment Environment
  • E-Commerce
    • E-Commerce Market Analysis
  • Alternative Payments
    • Alternative Payment Instruments
      • Paylib
      • PayPal
      • Hype
      • SlimPay
      • Starbucks mobile wallet
      • MasterPass
      • Visa Checkout
      • Seqr
  • Regulations in the Cards and Payments Industry
    • Regulatory Framework
      • SEPA cards framework
      • Interchange fee regulation
      • Regulation on cash transactions
    • Anti-Money Laundering (AML)
    • Foreign Direct Investment (FDI) Regulations
      • Table France - Mode of Entry of Foreign Banks
  • Analysis of Cards and Payments Industry Drivers
    • Demographic Drivers
    • Economic Drivers
    • Infrastructure Drivers
    • Business Drivers
  • Market Segmentation
    • Market Segmentation and Targeting
      • Consumer cards
        • Table Cards for High-Income Consumers, 2016
        • Table Cards for Travelers, 2016
        • Table Cards for Online Shoppers, 2016
        • Table Cards for Retail Shoppers, 2016
        • Table Cards for Students and Young Population, 2016
      • Commercial cards
        • Table Commercial Cards Comparison and Key Features, 2016
  • Payment Cards
    • Payment Cards Market Analysis
      • Volume and value of payment card transactions by type
      • Cartes Bancaires
        • Table CB Cards - Key Indicators, 2010-2014
  • Debit Cards
    • Debit Card Market Analysis
      • Turnover per debit card and transaction values by channel
      • Debit card scheme and issuer shares in terms of transaction value
      • Debit cards comparison
        • Table France - Debit Cards Comparison and Key Features, 2016
  • Credit Cards
    • Credit Card Market Analysis
      • Turnover per credit card and transaction values by channel
      • Credit card scheme and issuer shares in terms of transaction value
      • Credit cards comparison
        • Table France - Gold Credit Cards Comparison and Key Features, 2016
        • Table France - Premium Credit Cards Comparison and Key Features, 2016
  • Charge Cards
    • Charge Card Market Analysis
      • Turnover per charge card and transaction values by channel
      • Charge card scheme shares in terms of transaction value
      • Charge cards comparison
        • Table France - Charge Cards Comparison and Key Features, 2016
  • Commercial Pay Later Cards
    • Commercial Pay Later Cards Market Analysis
      • Commercial pay later cards comparison
        • Table France - Commercial Pay Later Cards Comparison and Key Features, 2016
  • Card Fraud Statistics
    • Card Fraud Analysis
  • Card Issuers
    • BPCE Group
    • BNP Paribas
    • Crédit Agricole
    • Crédit Mutuel-CIC Group
    • La Banque Postale
  • Prepaid Cards
    • Prepaid Card Market Analysis
      • Prepaid cards comparison
        • Table France - Prepaid Cards Comparison and Key Features, 2016
  • Private Label Cards
    • Private Label Card Market Analysis
      • Table France - Private Label Credit Cards Comparison and Key Features, 2016
  • Merchant Acquiring
    • Merchant Acquiring Market Analysis
  • Appendix
    • Tables
      • Table France - Payment Instrument Transaction Values (EUR Billion), 2011-2015
      • Table France - Payment Instrument Transaction Values (US$ Billion), 2011-2015
      • Table France - Payment Instrument Transaction Volumes (Billion), 2011-2015
      • Table France - Number of Payment Cards in Circulation by Type (Million), 2011-2020
      • Table France - Volume of Payment Card Transactions by Type (Million), 2011-2020
      • Table France - Value of Payment Card Transactions by Type (EUR Billion), 2011-2020
      • Table France - Value of Payment Card Transactions by Type (US$ Billion), 2011-2020
      • Table France - Number of Debit Cards in Circulation (Million), 2011-2020
      • Table France - Debit Card Transaction Volumes and Frequency by Channel, 2011-2020
      • Table France - Debit Card Total and Average Transaction Values by Channel, 2011-2020
      • Table France - Number of Debit Cards in Circulation by Scheme (Million), 2011-2015
      • Table France - Debit Card Transaction Values by Scheme (EUR Billion), 2011-2015
      • Table France - Debit Card Transaction Values by Scheme (US$ Billion), 2011-2015
      • Table France - Debit Card Transaction Values by Issuer (EUR Billion), 2011-2015
      • Table France - Debit Card Transaction Values by Issuer (US$ Billion), 2011-2015
      • Table France - Number of Pay Later Cards in Circulation (Million), 2011-2020
      • Table France - Pay Later Card Transaction Volumes and Frequency by Channel, 2011-2020
      • Table France - Pay Later Card Total and Average Transaction Values by Channel, 2011-2020
      • Table France - Number of Pay Later Cards in Circulation By Scheme (Million), 2011-2015
      • Table France - Pay Later Card Transaction Values By Scheme (EUR Billion), 2011-2015
      • Table France - Pay Later Card Transaction Values By Scheme (US$ Billion), 2011-2015
      • Table France - Pay Later Card Transaction Values by Issuer (EUR Billion), 2011-2015
      • Table France - Pay Later Card Transaction Values by Issuer (US$ Billion), 2011-2015
      • Table France - Number of Credit Cards in Circulation (Million), 2011-2020
      • Table France - Credit Card Transaction Volumes and Frequency by Channel, 2011-2020
      • Table France - Credit Card Total and Average Transaction Values by Channel, 2011-2020
      • Table France - Number of Credit Cards in Circulation by Scheme (Million), 2011-2015
      • Table France - Credit Card Transaction Values by Scheme (EUR Billion), 2011-2015
      • Table France - Credit Card Transaction Values by Scheme (US$ Billion), 2011-2015
      • Table France - Number of Charge Cards in Circulation (Million), 2011-2020
      • Table France - Charge Card Transaction Volumes and Frequency by Channel, 2011-2020
      • Table France - Charge Card Total and Average Transaction Values by Channel, 2011-2020
      • Table France - Number of Charge Cards in Circulation by Scheme (Million), 2011-2015
      • Table France - Charge Card Transaction Values by Scheme (EUR Billion), 2011-2015
      • Table France - Charge Card Transaction Values by Scheme (US$ Billion), 2011-2015
      • Table France - Personal and Commercial Pay Later Card Transaction Volumes (Million), 2011-2020
      • Table France - Personal and Commercial Pay Later Card Transaction Values (EUR Billion), 2011-2020
      • Table France - Personal and Commercial Pay Later Card Transaction Values (US$ Billion), 2011-2020
      • Table France - Number of Commercial Pay Later Cards in Circulation (Million), 2011-2020
      • Table France - Commercial Pay Later Card Transaction Values (EUR Billion), 2011-2020
      • Table France - Commercial Pay Later Card Transaction Values (US$ Billion), 2011-2020
      • Table France - Commercial Pay Later Card Transaction Volumes (Million), 2011-2020
      • Table France - Card Fraud (EUR Million), 2011-2015
      • Table France - Card Fraud (US$ Million), 2011-2015
      • Table France - Number of Prepaid Cards in Circulation (Million), 2011-2020
      • Table France - Prepaid Card Transaction Values (EUR Million), 2011-2020
      • Table France - Prepaid Card Transaction Values (US$ Million), 2011-2020
      • Table France - Merchant Acquiring Transaction Volumes by Channel (Billion), 2011-2020
      • Table France - Merchant Acquiring Transaction Values (EUR Billion), 2011-2020
      • Table France - Merchant Acquiring Transaction Values (US$ Billion), 2011-2020
      • Table France - Acquirers' Transaction Volumes (Million), 2011-2015
      • Table France - Acquirers' Transaction Values (EUR Billion), 2011-2015
      • Table France - Acquirers' Transaction Values (US$ Billion), 2011-2015
      • Table France - Retail Outlets and Card Accepting Merchants (Million), 2011-2020
    • Contact Timetric
    • About Timetric
    • Timetric's Services
    • Disclaimer

Download our eBook: How to Succeed Using Market Research

Learn how to effectively navigate the market research process to help guide your organization on the journey to success.

Download eBook

Share this report