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

  • ID: 4209496
  • Report
  • Region: France
  • 65 pages
  • GlobalData
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FEATURED COMPANIES

  • BNP Paribas
  • BPCE Bank
  • Cartes Bancaries
  • Crédit Agricole
  • Crédit Mutuel
  • La Banque Postale
  • MORE
The Cards and Payments Industry in France: Emerging Trends and Opportunities to 2020

Summary

"The Cards and Payments Industry in France: Emerging Trends and Opportunities to 2020", report provides detailed analysis of market trends in the French cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, direct debits, check payments, payment cards and cash transactions during the review period (2012-2016).

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 the market shares of issuers and schemes.

The report brings together the author's research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers details of regulatory policy and recent changes in the regulatory structure.

Banks and payment solution providers are launching new solutions to benefit from a growing preference for alternative payments. In March 2015 Sweden-based mobile payment (m-payment) solution provider Seamless launched its mobile app, Seqr. Following which, the functionality of Paylib was expanded in May 2016, allowing users with compatible Android mobile phones to make contactless m-payments of up to US$19.0 (EUR20) at 470,000 merchants. Apple launched Apple Pay in July 2016 in partnership with some of the country’s largest financial institutions.

The emergence of digital only banks is likely to accelerate a shift towards electronic payments in France. In January 2016, telecom operator Orange France acquired Groupama Banque to create Orange Bank. Orange mobile phone customers can directly subscribe to banking services through the network’s mobile app, via the website, or at 140 accredited stores. In December 2015, German-based financial service provider Number 26 launched its mobile-only bank in France.

The introduction of maintenance fee on saving and current accounts by major banks is anticipated to bring more competition in the French debit cards market. With profit margins shrinking and interest rates low, banks are introducing account fees. BNP Paribas introduced a US$2.4 (EUR2.5) basic account fee in November 2015. Similarly, BNP Paribas, Société Générale and Caisse d’Epargne Île-de-France introduced current account fees in the range of US$14.3-28.5 (EUR15-30) in February 2016. Banque Postale raised account fees from US$4 (EUR4.2) to US$5.9 (EUR6.2).

This report also provides top-level market analysis, information and insights into the French cards and payments industry, including:

- Current and forecast values for each market in the French cards and payments industry, including debit, credit and charge cards.
- Detailed insights into payment instruments including credit transfers, direct debits, cash transactions, checks and payment cards. It also, includes an overview of the country's key alternative payment instruments.
- E-commerce market analysis and payment methods.
- Analysis of various market drivers and regulations governing the French 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 in the French cards and payments industry.

Scope

- This report provides a comprehensive analysis of the French cards and payments industry.
- It provides current values for the French cards and payments industry for 2016, and forecast figures to 2020.
- It details the different demographic, economic, infrastructural and business drivers affecting the French cards and payments industry.
- It outlines the current regulatory framework in the industry.
- It details marketing strategies used by various banks and other institutions.

Reasons to buy

- Make strategic business decisions, using top-level historic and forecast market data, related to the French cards and payments industry and each market within it.
- Understand the key market trends and growth opportunities in the French cards and payments industry.
- Assess the competitive dynamics in the French cards and payments industry.
- Gain insights into marketing strategies used for various card types in France.
- Gain insights into key regulations governing the French cards and payments industry.
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FEATURED COMPANIES

  • BNP Paribas
  • BPCE Bank
  • Cartes Bancaries
  • Crédit Agricole
  • Crédit Mutuel
  • La Banque Postale
  • MORE
1. EXECUTIVE SUMMARY
1.1. Market overview
1.2. Key facts
1.3. Top five industry events
2. PAYMENT INSTRUMENTS
2.1. Current payment environment
3. E-COMMERCE AND ALTERNATIVE PAYMENTS
3.1. E-Commerce market analysis
3.2. Alternative payment solutions
3.2.1. Paylib
3.2.2. SlimPay
3.2.3. PayPal
3.2.4. Apple Pay
3.2.5. Visa Checkout
3.2.6. MasterPass
3.2.7. Seqr
3.2.8. paysafecard
3.2.9. Boku
4. REGULATIONS IN THE CARDS AND PAYMENTS INDUSTRY
4.1. Regulatory framework
4.1.1. SEPA cards framework
4.1.2. Implementation of the payment services directive (PSD)
4.1.3. Payment Services Directive 2 (PSD2)
4.1.4. Interchange fee regulation
4.2. Anti-money laundering
4.3. Foreign direct investment (FDI) regulations
5. ANALYSIS OF CARDS AND PAYMENTS INDUSTRY DRIVERS
6. PAYMENT CARDS
7. DEBIT CARDS
7.1. Debit cards market analysis
7.2. Competition in the debit cards market
7.3. Debit cards comparison
8. PAY LATER CARDS
8.1. Pay later cards market analysis
8.2. Competition in the pay later cards market
8.3. Pay later cards comparison
9. PREPAID CARDS
10. MERCHANT ACQUIRING
11. APPENDIX
11.1. Abbreviations and acronyms
11.2. Supplementary data
11.3. Definitions
11.4. Common payment card features
11.5. Methodology

List of Tables
Table 1: France, Key Facts, 2016
Table 2: France, Regional Benchmarking of Payment Cards, 2016
Table 3: France, Mode of Entry of Foreign Banks
Table 4: France, Debit Cards Comparison and Key Features, 2017
Table 5: France, Gold Credit Cards Comparison and Key Features, 2017
Table 6: France, Premium Credit Cards Comparison and Key Features, 2017
Table 7: France, Charge Cards Comparison and Key Features, 2017
Table 8: France, Payment Instrument Transaction Values (EUR Billion), 2012-2016
Table 9: France, Payment Instrument Transaction Values (US$ Billion), 2012-2016
Table 10: France, Payment Instrument Transaction Volumes (Billion), 2012-2016
Table 11: France, Payment Cards in Circulation by Type (Million), 2012-2020
Table 12: France, Volume of Payment Card Transactions (Million), 2012-2020
Table 13: France, Value of Payment Card Transactions (EUR Billion), 2012-2020
Table 14: France, Value of Payment Card Transactions (US$ Billion), 2012-2020
Table 15: France, Debit Cards in Circulation (Million), 2012-2020
Table 16: France, Debit Card Transaction Volumes, 2012-2020
Table 17: France, Debit Card Transaction Values (EUR), 2012-2020
Table 18: France, Debit Card Transaction Values (US$), 2012-2020
Table 19: France, Debit Cards in Circulation by Scheme (Million), 2012-2016
Table 20: France, Debit Card Transaction Values by Scheme (EUR Billion), 2012-2016
Table 21: France, Debit Card Transaction Values by Scheme (US$ Billion), 2012-2016
Table 22: France, Debit Card Transaction Values by Issuer (EUR Billion), 2012-2016
Table 23: France, Debit Card Transaction Values by Issuer (US$ Billion), 2012-2016
Table 24: France, Pay Later Cards in Circulation (Million), 2012-2020
Table 25: France, Pay Later Card Transaction Volumes, 2012-2020
Table 26: France, Pay Later Card Transaction Values (EUR), 2012-2020
Table 27: France, Pay Later Card Transaction Values (US$), 2012-2020
Table 28: France, Pay Later Cards in Circulation by Scheme (Million), 2012-2016
Table 29: France, Pay Later Card Transaction Values by Scheme (EUR Billion), 2012-2016
Table 30: France, Pay Later Card Transaction Values by Scheme (US$ Billion), 2012-2016
Table 31: France, Pay Later Card Transaction Values by Issuer (EUR Billion), 2012-2016
Table 32: France, Pay Later Card Transaction Values by Issuer (US$ Billion), 2012-2016
Table 33: France, Credit Cards in Circulation (Million), 2012-2020
Table 34: France, Credit Card Transaction Volumes, 2012-2020
Table 35: France, Credit Card Transaction Values (EUR), 2012-2020
Table 36: France, Credit Card Transaction Values (US$), 2012-2020
Table 37: France, Credit Cards in Circulation by Scheme (Million), 2012-2016
Table 38: France, Credit Card Transaction Values by Scheme (EUR Billion), 2012-2016
Table 39: France, Credit Card Transaction Values by Scheme (US$ Billion), 2012-2016
Table 40: France, Charge Cards in Circulation (Million), 2012-2020
Table 41: France, Charge Card Transaction Volumes, 2012-2020
Table 42: France, Charge Card Transaction Values (EUR), 2012-2020
Table 43: France, Charge Card Transaction Values (US$), 2012-2020
Table 44: France, Charge Cards in Circulation by Scheme (Million), 2012-2016
Table 45: France, Charge Card Transaction Values by Scheme (EUR Billion), 2012-2016
Table 46: France, Charge Card Transaction Values by Scheme (US$ Billion), 2012-2016
Table 47: France, Prepaid Cards in Circulation (Million), 2012-2020
Table 48: France, Prepaid Card Transaction Values (EUR Million), 2012-2020
Table 49: France, Prepaid Card Transaction Values (US$ Million), 2012-2020
Table 50: France, Merchant Acquiring Transaction Volumes (Billion), 2012-2020
Table 51: France, Merchant Acquiring Transaction Values (EUR Billion), 2011-2020
Table 52: France, Merchant Acquiring Transaction Values (US$ Billion), 2012-2020
Table 53: France, Acquirers’ Transaction Volumes (Billion), 2012-2016
Table 54: France, Acquirers’ Transaction Values (EUR Billion), 2012-2016
Table 55: France, Acquirers’ Transaction Values (US$ Billion), 2012-2016
Table 56: France, Retail Outlets and Card-Accepting Merchants (Thousand), 2012-2020
Table 57: France, Debit Card Average Interchange Fees (%), 2012-2016
Table 58: France, Debit Card Merchant Service Charge and Interchange Fee (%), 2012-2020
Table 59: France, Pay Later Card Average Interchange Fees (%), 2012-2016
Table 60: France, Pay Later Card Merchant Service Charge and Interchange Fee (%), 2012-2020
Table 61: Definitions of Commonly Used Terms
Table 62: Common Features of Payment Cards

List of Figures
Figure 1: France, Payment Instrument Shares by Transaction Value (%), 2012 vs 2016
Figure 2: France, Payment Instrument Shares by Transaction Volume (%), 2012 vs 2016
Figure 3: France, E-Commerce Value
Figure 4: France, Population and Economic Indicators
Figure 5: France, ATMs, POS Terminals and Household Consumption
Figure 6: France, Payment Cards Transaction Value and Cards in Circulation, 2012-2020
Figure 7: France, Debit Card Penetration and Turnover Per Card
Figure 8: France, Debit Cards Scheme and Issuer Transaction Value Share (%), 2016
Figure 9: France, Pay Later Card Penetration and Turnover Per Card
Figure 10: France, Pay Later Cards Scheme and Issuer Transaction Value Share (%), 2016
Figure 11: France, Prepaid Cards in Circulation and Transaction Value, 2012-2020
Figure 12: France, Merchant Acquiring Transaction Volume and Value, 2012-2020
Figure 13: France, Acquirers’ Market Share in Terms of Transaction Volume and Value (%), 2016
Figure 14: France, Average Merchant Service Charge and Interchange Fee (%), 2012-2020
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  • Crédit Agricole
  • Crédit Mutuel
  • BPCE Bank
  • Société Générale
  • La Banque Postale
  • BNP Paribas
  • Cartes Bancaries
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