+353-1-416-8900REST OF WORLD
+44-20-3973-8888REST OF WORLD
1-917-300-0470EAST COAST U.S
1-800-526-8630U.S. (TOLL FREE)

Financial Cards and Payments in France

  • PDF Icon

    Report

  • 67 Pages
  • November 2023
  • Region: France
  • Euromonitor International
  • ID: 1203214
Financial cards continues its progress in 2023, however, with mixed results. Global inflation continues to create an uncertain economic climate and an increasing price-sensitivity around sales of fast-moving consumer goods (FMCGs), leading to widespread discounts, slashed prices, and in-store promotions. Although inflation looks to be stabilising somewhat through 2023, French consumers are not generally aware of these fluctuations and remain cautious in their purchases and budgets overall.

The Financial Cards and Payments in France report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Financial Cards in Circulation, Mobile Payments, Transactions.

Data coverage: Market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

  • Get a detailed picture of the Financial Cards and Payments market;
  • Pinpoint growth sectors and identify factors driving change;
  • Understand the competitive environment, the market’s major players and leading brands;
  • Use five-year forecasts to assess how the market is predicted to develop.

Table of Contents

FINANCIAL CARDS AND PAYMENTS IN FRANCE
EXECUTIVE SUMMARY
  • Financial cards and payments in 2023: The big picture
  • 2023 key trends
  • Competitive landscape
  • What next for financial cards and payments?
MARKET INDICATORS
  • Table 1 Number of POS Terminals: Units 2018-2023
  • Table 2 Number of ATMs: Units 2018-2023
  • Table 3 Value Lost to Fraud 2018-2023
  • Table 4 Card Expenditure by Location 2023
  • Table 5 Financial Cards in Circulation by Type: % Number of Cards 2018-2023
  • Table 6 Domestic versus Foreign Spend 2023
MARKET DATA
  • Table 7 Financial Cards by Category: Number of Cards in Circulation 2018-2023
  • Table 8 Financial Cards by Category: Number of Accounts 2018-2023
  • Table 9 Financial Cards Transactions by Category: Value 2018-2023
  • Table 10 Financial Cards by Category: Number of Transactions 2018-2023
  • Table 11 Consumer Payments by Category: Value 2018-2023
  • Table 12 Consumer Payments by Category: Number of Transactions 2018-2023
  • Table 13 M-Commerce by Category: Value 2018-2023
  • Table 14 M-Commerce by Category: % Value Growth 2018-2023
  • Table 15 Financial Cards: Number of Cards by Issuer 2018-2022
  • Table 16 Financial Cards: Number of Cards by Operator 2018-2022
  • Table 17 Financial Cards: Card Payment Transactions Value by Operator 2018-2022
  • Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2018-2022
  • Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2023-2028
  • Table 20 Forecast Financial Cards by Category: Number of Accounts 2023-2028
  • Table 21 Forecast Financial Cards Transactions by Category: Value 2023-2028
  • Table 22 Forecast Financial Cards by Category: Number of Transactions 2023-2028
  • Table 23 Forecast Consumer Payments by Category: Value 2023-2028
  • Table 24 Forecast Consumer Payments by Category: Number of Transactions 2023-2028
  • Table 25 Forecast M-Commerce by Category: Value 2023-2028
  • Table 26 Forecast M-Commerce by Category: % Value Growth 2023-2028
DISCLAIMER
SOURCES
  • Summary 1 Research Sources
DEBIT CARDS IN FRANCEKEY DATA FINDINGS
2023 DEVELOPMENTS
  • Surprising increase of the number of debit cards and their sales - thanks to MICE and inflation
  • Digital payments go from strength to strength
  • CB maintains overall dominance due to co-branding, while competitors continue to take advantage of regulatory changes
PROSPECTS AND OPPORTUNITIES
  • Ongoing digitisation will support debit cards’ growth, but competition from other options remains on the horizon
  • Digital and neo-banks likely to forge ahead - despite weak profitability
  • Reinforcement of security needed, with biometrics tipped for development
CATEGORY DATA
  • Table 27 Debit Cards: Number of Cards in Circulation 2018-2023
  • Table 28 Debit Cards Transactions 2018-2023
  • Table 29 Debit Cards in Circulation: % Growth 2018-2023
  • Table 30 Debit Cards Transactions: % Growth 2018-2023
  • Table 31 Debit Cards: Number of Cards by Issuer 2018-2022
  • Table 32 Debit Cards: Number of Cards by Operator 2018-2022
  • Table 33 Debit Cards Payment Transaction Value by Issuer 2018-2022
  • Table 34 Debit Cards Payment Transaction Value by Operator 2018-2022
  • Table 35 Forecast Debit Cards: Number of Cards in Circulation 2023-2028
  • Table 36 Forecast Debit Cards Transactions 2023-2028
  • Table 37 Forecast Debit Cards in Circulation: % Growth 2023-2028
  • Table 38 Forecast Debit Cards Transactions: % Growth 2023-2028
CREDIT CARDS IN FRANCEKEY DATA FINDINGS
2023 DEVELOPMENTS
  • Credit faces serious challenges in France, thus also affecting credit cards
  • Consumers switch from FMCGs to second-hand and refurbished - although services continue to perform
  • Banks and credit institutions struggle in the economic climate
PROSPECTS AND OPPORTUNITIES
  • Ongoing price-sensitivity and an aversion to credit means a gloomy outlook in the short term
  • More potential for online banks and neo-bank credit cards - despite their weak profitability
  • BNPL continues to face negative press
CATEGORY DATA
  • Table 39 Credit Cards: Number of Cards in Circulation 2018-2023
  • Table 40 Credit Cards Transactions 2018-2023
  • Table 41 Credit Cards in Circulation: % Growth 2018-2023
  • Table 42 Credit Cards Transactions: % Growth 2018-2023
  • Table 43 Personal Credit Cards: Number of Cards in Circulation 2018-2023
  • Table 44 Personal Credit Cards Transactions 2018-2023
  • Table 45 Personal Credit Cards in Circulation: % Growth 2018-2023
  • Table 46 Personal Credit Cards Transactions: % Growth 2018-2023
  • Table 47 Credit Cards: Number of Cards by Issuer 2018-2022
  • Table 48 Credit Cards: Number of Cards by Operator 2018-2022
  • Table 49 Credit Cards Payment Transaction Value by Issuer 2018-2022
  • Table 50 Credit Cards Payment Transaction Value by Operator 2018-2022
  • Table 51 Commercial Credit Cards: Number of Cards by Issuer 2018-2022
  • Table 52 Personal Credit Cards: Number of Cards by Issuer 2018-2022
  • Table 53 Personal Credit Cards: Number of Cards by Operator 2018-2022
  • Table 54 Personal Credit Cards Payment Transaction Value by Issuer 2018-2022
  • Table 55 Personal Credit Cards Payment Transaction Value by Operator 2018-2022
  • Table 56 Forecast Credit Cards: Number of Cards in Circulation 2023-2028
  • Table 57 Forecast Credit Cards Transactions 2023-2028
  • Table 58 Forecast Credit Cards in Circulation: % Growth 2023-2028
  • Table 59 Forecast Credit Cards Transactions: % Growth 2023-2028
  • Table 60 Forecast Personal Credit Cards: Number of Cards in Circulation 2023-2028
  • Table 61 Forecast Personal Credit Cards Transactions 2023-2028
  • Table 62 Forecast Personal Credit Cards in Circulation: % Growth 2023-2028
  • Table 63 Forecast Personal Credit Cards Transactions: % Growth 2023-2028
CHARGE CARDS IN FRANCEKEY DATA FINDINGS
2023 DEVELOPMENTS
  • Revival of MICE/business tourism boosts the use of charge cards
  • Merchant acceptance also contributes to the progression of charge cards
  • CB maintains its overall place thanks to co-branding, while Amex becomes stronger
PROSPECTS AND OPPORTUNITIES
  • Good omens for the short term: ongoing structural growth, the Olympic Games, and the continuous success of local tourism
  • Mobile payments and digital wallets will help to support the growth in charge cards
  • FrenchSys and other players to distance themselves from the CB system
CATEGORY DATA
  • Table 64 Charge Cards: Number of Cards in Circulation 2018-2023
  • Table 65 Charge Cards Transactions 2018-2023
  • Table 66 Charge Cards in Circulation: % Growth 2018-2023
  • Table 67 Charge Cards Transactions: % Growth 2018-2023
  • Table 68 Commercial Charge Cards: Number of Cards in Circulation 2018-2023
  • Table 69 Commercial Charge Cards Transactions 2018-2023
  • Table 70 Commercial Charge Cards in Circulation: % Growth 2018-2023
  • Table 71 Commercial Charge Cards Transactions: % Growth 2018-2023
  • Table 72 Personal Charge Cards: Number of Cards in Circulation 2018-2023
  • Table 73 Personal Charge Cards Transactions 2018-2023
  • Table 74 Personal Charge Cards in Circulation: % Growth 2018-2023
  • Table 75 Personal Charge Cards Transactions: % Growth 2018-2023
  • Table 76 Charge Cards: Number of Cards by Issuer 2018-2022
  • Table 77 Charge Cards: Number of Cards by Operator 2018-2022
  • Table 78 Charge Cards Payment Transaction Value by Issuer 2018-2022
  • Table 79 Charge Cards Payment Transaction Value by Operator 2018-2022
  • Table 80 Commercial Charge Cards: Number of Cards by Issuer 2018-2022
  • Table 81 Commercial Charge Cards: Number of Cards by Operator 2018-2022
  • Table 82 Commercial Charge Cards Payment Transaction Value by Issuer 2018-2022
  • Table 83 Commercial Charge Cards Payment Transaction Value by Operator 2018-2022
  • Table 84 Personal Charge Cards: Number of Cards by Issuer 2018-2022
  • Table 85 Personal Charge Cards: Number of Cards by Operator 2018-2022
  • Table 86 Personal Charge Cards Transaction Value by Issuer 2018-2022
  • Table 87 Personal Charge Cards Transaction Value by Operator 2018-2022
  • Table 88 Forecast Charge Cards: Number of Cards in Circulation 2023-2028
  • Table 89 Forecast Charge Cards Transactions 2023-2028
  • Table 90 Forecast Charge Cards in Circulation: % Growth 2023-2028
  • Table 91 Forecast Charge Cards Transactions: % Growth 2023-2028
  • Table 92 Forecast Commercial Charge Cards: Number of Cards in Circulation 2023-2028
  • Table 93 Forecast Commercial Charge Cards Transactions 2023-2028
  • Table 94 Forecast Commercial Charge Cards in Circulation: % Growth 2023-2028
  • Table 95 Forecast Commercial Charge Cards Transactions: % Growth 2023-2028
  • Table 96 Forecast Personal Charge Cards: Number of Cards in Circulation 2023-2028
  • Table 97 Forecast Personal Charge Cards Transactions 2023-2028
  • Table 98 Forecast Personal Charge Cards in Circulation: % Growth 2023-2028
  • Table 99 Forecast Personal Charge Cards Transactions: % Growth 2023-2028
PRE-PAID CARDS IN FRANCEKEY DATA FINDINGS
2023 DEVELOPMENTS
  • Growth supported by ongoing digitalisation of closed loop pre-paid gift cards and those for travel
  • Open loop pre-paid cards see continuous digitalisation, despite the resilience of paper luncheon vouchers
  • Players in pre-paid cards benefit from ongoing digitisation
PROSPECTS AND OPPORTUNITIES
  • Many positive predications for pre-paid cards ahead
  • Open loop pre-paid cards have continuous room for improvement and dematerialisation
  • New players could shuffle the status quo in pre-paid cards
CATEGORY DATA
  • Table 100 Pre-paid Cards: Number of Cards in Circulation 2018-2023
  • Table 101 Pre-paid Cards Transactions 2018-2023
  • Table 102 Pre-paid Cards in Circulation: % Growth 2018-2023
  • Table 103 Pre-paid Cards Transactions: % Growth 2018-2023
  • Table 104 Closed Loop Pre-paid Cards Transactions 2018-2023
  • Table 105 Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
  • Table 106 Open Loop Pre-paid Cards Transactions 2018-2023
  • Table 107 Open Loop Pre-paid Cards Transactions: % Growth 2018-2023
  • Table 108 Pre-paid Cards: Number of Cards by Issuer 2018-2022
  • Table 109 Pre-paid Cards: Number of Cards by Operator 2018-2022
  • Table 110 Pre-paid Cards Transaction Value by Issuer 2018-2022
  • Table 111 Pre-paid Cards Transaction Value by Operator 2018-2022
  • Table 112 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2018-2022
  • Table 113 Closed Loop Pre-paid Cards: Number of Cards by Operator 2018-2022
  • Table 114 Closed Loop Pre-paid Cards Transaction Value by Issuer 2018-2022
  • Table 115 Closed Loop Pre-paid Cards Transaction Value by Operator 2018-2022
  • Table 116 Open Loop Pre-paid Cards: Number of Cards by Issuer 2018-2022
  • Table 117 Open Loop Pre-paid Cards: Number of Cards by Operator 2018-2022
  • Table 118 Open Loop Pre-paid Cards Transaction Value by Issuer 2018-2022
  • Table 119 Open Loop Pre-paid Cards Transaction Value by Operator 2018-2022
  • Table 120 Forecast Pre-paid Cards: Number of Cards in Circulation 2023-2028
  • Table 121 Forecast Pre-paid Cards Transactions 2023-2028
  • Table 122 Forecast Pre-paid Cards in Circulation: % Growth 2023-2028
  • Table 123 Forecast Pre-paid Cards Transactions: % Growth 2023-2028
  • Table 124 Forecast Closed Loop Pre-paid Cards Transactions 2023-2028
  • Table 125 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2023-2028
  • Table 126 Forecast Open Loop Pre-paid Cards Transactions 2023-2028
  • Table 127 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2023-2028
STORE CARDS IN FRANCEKEY DATA FINDINGS
2023 DEVELOPMENTS
  • Ongoing decline in store cards - notably due to the sluggish performance of retailing
  • Cannibalisation from more modern options and concerns around BNPL impact store cards
  • Some interesting initiatives hold promise, but most issuers tend to struggle
PROSPECTS AND OPPORTUNITIES
  • Uncertain outlook in retail means uncertainty about store cards - despite developments in m-commerce
  • E-wallets and m-commerce still have scope for development
  • BNPL continues to cast a shadow due to consumers’ aversion to debt
CATEGORY DATA
  • Table 128 Store Cards: Number of Cards in Circulation 2018-2023
  • Table 129 Store Cards Transactions 2018-2023
  • Table 130 Store Cards in Circulation: % Growth 2018-2023
  • Table 131 Store Cards Transactions: % Growth 2018-2023
  • Table 132 Store Cards: Number of Cards by Issuer 2018-2022
  • Table 133 Store Cards: Payment Transaction Value by Issuer 2018-2022
  • Table 134 Forecast Store Cards: Number of Cards in Circulation 2023-2028
  • Table 135 Forecast Store Cards Transactions 2023-2028
  • Table 136 Forecast Store Cards in Circulation: % Growth 2023-2028
  • Table 137 Forecast Store Cards Transactions: % Growth 2023-2028