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Financial Cards and Payments in France

  • ID: 1203214
  • Report
  • November 2021
  • Region: France
  • 64 Pages
  • Euromonitor International
Despite the ongoing presence of the pandemic, financial cards and payments performed well in 2021. This all came despite a third lockdown in the winter and more disruption during the year due to mixed success in vaccination rollout in the spring and summer. Both value sales but especially transactions experienced strong recovery in 2021 over the previous year due to more frequent transactions (a sign of the continuous explosion of contactless payments.

The publisher's 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, M-Commerce, 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.
Note: Product cover images may vary from those shown

EXECUTIVE SUMMARY
  • Financial cards and payments in 2021: The big picture
  • 2021 key trends
  • Improving macroeconomic factors both associated with and separate from COVID-19
  • Technological and digital developments include growth in contactless payment, switches to dematerialised pre-paid cards, invisible migration within pre-paid cards and limited growth of mobile e-commerce
  • Cartes Bancaires holds lead over Mastercard and Visa in terms of dynamic issuers while battle rages in luncheon voucher pre-paid cards
  • What next for financial cards and payments?

MARKET INDICATORS
  • Table 1 Number of POS Terminals: Units 2016-2021
  • Table 2 Number of ATMs: Units 2016-2021
  • Table 3 Value Lost to Fraud 2016-2021
  • Table 4 Card Expenditure by Location 2021
  • Table 5 Financial Cards in Circulation by Type: % Number of Cards 2016-2021
  • Table 6 Domestic versus Foreign Spend 2021

MARKET DATA
  • Table 7 Financial Cards by Category: Number of Cards in Circulation 2016-2021
  • Table 8 Financial Cards by Category: Number of Accounts 2016-2021
  • Table 9 Financial Cards Transactions by Category: Value 2016-2021
  • Table 10 Financial Cards by Category: Number of Transactions 2016-2021
  • Table 11 Consumer Payments by Category: Value 2016-2021
  • Table 12 Consumer Payments by Category: Number of Transactions 2016-2021
  • Table 13 M-Commerce by Category: Value 2016-2021
  • Table 14 M-Commerce by Category: % Value Growth 2016-2021
  • Table 15 Financial Cards: Number of Cards by Issuer 2016-2020
  • Table 16 Financial Cards: Number of Cards by Operator 2016-2020
  • Table 17 Financial Cards: Card Payment Transactions Value by Operator 2016-2020
  • Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2016-2020
  • Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2021-2026
  • Table 20 Forecast Financial Cards by Category: Number of Accounts 2021-2026
  • Table 21 Forecast Financial Cards Transactions by Category: Value 2021-2026
  • Table 22 Forecast Financial Cards by Category: Number of Transactions 2021-2026
  • Table 23 Forecast Consumer Payments by Category: Value 2021-2026
  • Table 24 Forecast Consumer Payments by Category: Number of Transactions 2021-2026
  • Table 25 Forecast M-Commerce by Category: Value 2021-2026
  • Table 26 Forecast M-Commerce by Category: % Value Growth 2021-2026

DISCLAIMER
SOURCES
  • Summary 1 Research Sources

DEBIT CARDS IN FRANCEKEY DATA FINDINGS
2021 DEVELOPMENTS
  • Ongoing increase in the number of debit cards in 2021 and recovery of value per transaction despite weak recovery of commercial debit cards
  • Surge in distance payments especially contactless payment following advice from the World Health Organization
  • Groupe Crédit Mutuel and Groupe BNP Paribas are more resilient than other issuers while CB is back in business

PROSPECTS AND OPPORTUNITIES
  • Despite rapid resumption in the decline in the number of cards slow return to normal in value sales which are only set to surpass pre-pandemic levels after 2026
  • Clear advantage for online and virtual payments as well as online brands and banks
  • Strengthening security in terms of both physical and online payments and maintaining free services pose considerable challenges for banks and debit cards

CATEGORY DATA
  • Table 27 Debit Cards: Number of Cards in Circulation 2016-2021
  • Table 28 Debit Cards Transactions 2016-2021
  • Table 29 Debit Cards in Circulation: % Growth 2016-2021
  • Table 30 Debit Cards Transactions: % Growth 2016-2021
  • Table 31 Debit Cards: Number of Cards by Issuer 2016-2020
  • Table 32 Debit Cards: Number of Cards by Operator 2016-2020
  • Table 33 Debit Cards Payment Transaction Value by Issuer 2016-2020
  • Table 34 Debit Cards Payment Transaction Value by Operator 2016-2020
  • Table 35 Forecast Debit Cards: Number of Cards in Circulation 2021-2026
  • Table 36 Forecast Debit Cards Transactions 2021-2026
  • Table 37 Forecast Debit Cards in Circulation: % Growth 2021-2026
  • Table 38 Forecast Debit Cards Transactions: % Growth 2021-2026

CREDIT CARDS IN FRANCEKEY DATA FINDINGS
2021 DEVELOPMENTS
  • First signs of recovery for credit cards thanks to attenuated restrictions and the recovery of consumption in non-grocery retailing
  • Traditional distrust about credit, skyrocketing debt consolidation and national tendency to save rather than borrow during a crisis limits the number of credit cards
  • Battle rages between BPCE and BNP in issuers while Groupement des Cartes Bancaires in operators does not enjoy the same improvement as it has in debit cards

PROSPECTS AND OPPORTUNITIES
  • Despite a progressive recovery in percentage terms, credit cards unlikely to reach pre-pandemic levels before 2026 other than in the number of transactions
  • Astonishing breakthrough likely of both existing and new online players which are revolutionising debit cards
  • More traditional personal credit cards and dual charge cards come at the expense of revolving credit

CATEGORY DATA
  • Table 39 Credit Cards: Number of Cards in Circulation 2016-2021
  • Table 40 Credit Cards Transactions 2016-2021
  • Table 41 Credit Cards in Circulation: % Growth 2016-2021
  • Table 42 Credit Cards Transactions: % Growth 2016-2021
  • Table 43 Personal Credit Cards: Number of Cards in Circulation 2016-2021
  • Table 44 Personal Credit Cards Transactions 2016-2021
  • Table 45 Personal Credit Cards in Circulation: % Growth 2016-2021
  • Table 46 Personal Credit Cards Transactions: % Growth 2016-2021
  • Table 47 Credit Cards: Number of Cards by Issuer 2016-2020
  • Table 48 Credit Cards: Number of Cards by Operator 2016-2020
  • Table 49 Credit Cards Payment Transaction Value by Issuer 2016-2020
  • Table 50 Credit Cards Payment Transaction Value by Operator 2016-2020
  • Table 51 Personal Credit Cards: Number of Cards by Issuer 2016-2020
  • Table 52 Personal Credit Cards: Number of Cards by Operator 2016-2020
  • Table 53 Personal Credit Cards Payment Transaction Value by Issuer 2016-2020
  • Table 54 Personal Credit Cards Payment Transaction Value by Operator 2016-2020
  • Table 55 Forecast Credit Cards: Number of Cards in Circulation 2021-2026
  • Table 56 Forecast Credit Cards Transactions 2021-2026
  • Table 57 Forecast Credit Cards in Circulation: % Growth 2021-2026
  • Table 58 Forecast Credit Cards Transactions: % Growth 2021-2026
  • Table 59 Forecast Personal Credit Cards: Number of Cards in Circulation 2021-2026
  • Table 60 Forecast Personal Credit Cards Transactions 2021-2026
  • Table 61 Forecast Personal Credit Cards in Circulation: % Growth 2021-2026
  • Table 62 Forecast Personal Credit Cards Transactions: % Growth 2021-2026

CHARGE CARDS IN FRANCEKEY DATA FINDINGS
2021 DEVELOPMENTS
  • Promising improvement for personal charge cards under the impetus given by issuers and opportunities relative to the pandemic
  • Limited recovery of business travel and expenses ruins the hopes of commercial charge card players
  • Groupement des Cartes Bancaires maintains its outright leadership within operators over Visa, Mastercard but especially American Express

PROSPECTS AND OPPORTUNITIES
  • No special concerns over personal charge cards despite an ongoing decline in average spend per transaction over the forecast period
  • No hopes for immediate full recovery of commercial charge cards due to grey outlook of business travel and expenses
  • No ceiling interchange fees threatens progress of commercial charge cards

CATEGORY DATA
  • Table 63 Charge Cards: Number of Cards in Circulation 2016-2021
  • Table 64 Charge Cards Transactions 2016-2021
  • Table 65 Charge Cards in Circulation: % Growth 2016-2021
  • Table 66 Charge Cards Transactions: % Growth 2016-2021
  • Table 67 Commercial Charge Cards: Number of Cards in Circulation 2016-2021
  • Table 68 Commercial Charge Cards Transactions 2016-2021
  • Table 69 Commercial Charge Cards in Circulation: % Growth 2016-2021
  • Table 70 Commercial Charge Cards Transactions: % Growth 2016-2021
  • Table 71 Personal Charge Cards: Number of Cards in Circulation 2016-2021
  • Table 72 Personal Charge Cards Transactions 2016-2021
  • Table 73 Personal Charge Cards in Circulation: % Growth 2016-2021
  • Table 74 Personal Charge Cards Transactions: % Growth 2016-2021
  • Table 75 Charge Cards: Number of Cards by Issuer 2016-2020
  • Table 76 Charge Cards: Number of Cards by Operator 2016-2020
  • Table 77 Charge Cards Payment Transaction Value by Issuer 2016-2020
  • Table 78 Charge Cards Payment Transaction Value by Operator 2016-2020
  • Table 79 Commercial Charge Cards: Number of Cards by Issuer 2016-2020
  • Table 80 Commercial Charge Cards: Number of Cards by Operator 2016-2020
  • Table 81 Commercial Charge Cards Payment Transaction Value by Issuer 2016-2020
  • Table 82 Commercial Charge Cards Payment Transaction Value by Operator 2016-2020
  • Table 83 Personal Charge Cards: Number of Cards by Issuer 2016-2020
  • Table 84 Personal Charge Cards: Number of Cards by Operator 2016-2020
  • Table 85 Personal Charge Cards Transaction Value by Issuer 2016-2020
  • Table 86 Personal Charge Cards Transaction Value by Operator 2016-2020
  • Table 87 Forecast Charge Cards: Number of Cards in Circulation 2021-2026
  • Table 88 Forecast Charge Cards Transactions 2021-2026
  • Table 89 Forecast Charge Cards in Circulation: % Growth 2021-2026
  • Table 90 Forecast Charge Cards Transactions: % Growth 2021-2026
  • Table 91 Forecast Commercial Charge Cards: Number of Cards in Circulation 2021-2026
  • Table 92 Forecast Commercial Charge Cards Transactions 2021-2026
  • Table 93 Forecast Commercial Charge Cards in Circulation: % Growth 2021-2026
  • Table 94 Forecast Commercial Charge Cards Transactions: % Growth 2021-2026
  • Table 95 Forecast Personal Charge Cards: Number of Cards in Circulation 2021-2026
  • Table 96 Forecast Personal Charge Cards Transactions 2021-2026
  • Table 97 Forecast Personal Charge Cards in Circulation: % Growth 2021-2026
  • Table 98 Forecast Personal Charge Cards Transactions: % Growth 2021-2026

PRE-PAID CARDS IN FRANCEKEY DATA FINDINGS
2021 DEVELOPMENTS
  • Mixed fortunes for closed loop pre-paid cards as gift cards skyrocket while transport cards plummet
  • Sudden acceleration in dematerialisation promotes open loop pre-paid cards
  • Significant losses for transport cards specialists, while gift cards players take off and battle ensues in luncheon voucher cards

PROSPECTS AND OPPORTUNITIES
  • In closed loop pre-paid cards, scope for growth for gift cards and probable recovery of transport/park site cards by 2023
  • Difficulties for open loop pre-paid cards to reach 100% of dematerialisation in luncheon vouchers
  • Visa and Mastercard look to gain a presence in pre-paid cards, particularly for transport

CATEGORY DATA
  • Table 99 Pre-paid Cards: Number of Cards in Circulation 2016-2021
  • Table 100 Pre-paid Cards Transactions 2016-2021
  • Table 101 Pre-paid Cards in Circulation: % Growth 2016-2021
  • Table 102 Pre-paid Cards Transactions: % Growth 2016-2021
  • Table 103 Closed Loop Pre-paid Cards Transactions 2016-2021
  • Table 104 Closed Loop Pre-paid Cards Transactions: % Growth 2016-2021
  • Table 105 Open Loop Pre-paid Cards Transactions 2016-2021
  • Table 106 Open Loop Pre-paid Cards Transactions: % Growth 2016-2021
  • Table 107 Pre-paid Cards: Number of Cards by Issuer 2016-2020
  • Table 108 Pre-paid Cards: Number of Cards by Operator 2016-2020
  • Table 109 Pre-paid Cards Transaction Value by Issuer 2016-2020
  • Table 110 Pre-paid Cards Transaction Value by Operator 2016-2020
  • Table 111 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2016-2020
  • Table 112 Closed Loop Pre-paid Cards: Number of Cards by Operator 2016-2020
  • Table 113 Closed Loop Pre-paid Cards Transaction Value by Issuer 2016-2020
  • Table 114 Closed Loop Pre-paid Cards Transaction Value by Operator 2016-2020
  • Table 115 Open Loop Pre-paid Cards: Number of Cards by Issuer 2016-2020
  • Table 116 Open Loop Pre-paid Cards: Number of Cards by Operator 2016-2020
  • Table 117 Open Loop Pre-paid Cards Transaction Value by Issuer 2016-2020
  • Table 118 Open Loop Pre-paid Cards Transaction Value by Operator 2016-2020
  • Table 119 Forecast Pre-paid Cards: Number of Cards in Circulation 2021-2026
  • Table 120 Forecast Pre-paid Cards Transactions 2021-2026
  • Table 121 Forecast Pre-paid Cards in Circulation: % Growth 2021-2026
  • Table 122 Forecast Pre-paid Cards Transactions: % Growth 2021-2026
  • Table 123 Forecast Closed Loop Pre-paid Cards Transactions 2021-2026
  • Table 124 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2021-2026
  • Table 125 Forecast Open Loop Pre-paid Cards Transactions 2021-2026
  • Table 126 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2021-2026

STORE CARDS IN FRANCEKEY DATA FINDINGS
2021 DEVELOPMENTS
  • A loosening of COVID-19 restrictions in 2021 compared to the previous year and a growing role of e-store cards boosts store cards
  • Prior to the pandemic, store cards on a downward trend due to increasing preference for co-branded credit cards
  • Most players are negatively affected though a good performance for Fnac and other players

PROSPECTS AND OPPORTUNITIES
  • Despite help from e-cards, unavoidable decline for store cards depending on the associated retailer
  • Co-branded credit cards grow in popularity although problems remain in tracking consumer experience as facial recognition unpopular in France
  • More store cards linked to digital wallets

CATEGORY DATA
  • Table 127 Store Cards: Number of Cards in Circulation 2016-2021
  • Table 128 Store Cards Transactions 2016-2021
  • Table 129 Store Cards in Circulation: % Growth 2016-2021
  • Table 130 Store Cards Transactions: % Growth 2016-2021
  • Table 131 Store Cards: Number of Cards by Issuer 2016-2020
  • Table 132 Store Cards: Payment Transaction Value by Issuer 2016-2020
  • Table 133 Forecast Store Cards: Number of Cards in Circulation 2021-2026
  • Table 134 Forecast Store Cards Transactions 2021-2026
  • Table 135 Forecast Store Cards in Circulation: % Growth 2021-2026
  • Table 136 Forecast Store Cards Transactions: % Growth 2021-2026
Note: Product cover images may vary from those shown