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Report
Financial Cards and Payments in France
Market Direction I 2022-12-01 I 69 Pages I Euromonitor
At first sight, financial cards and payments continue to show signs of improvement in 2022. The total number of cards enjoys more robust volume growth thanks to the growing number of functions, while average value amounts remain more modest. The event of the COVID-19 pandemic and associated restrictions suppressed sales across a wide range of non-essential outlets, alongside foodservice, tourism, and hospitality. Furthermore, even with the lifting of pandemic restrictions from 2021, there is a l...
Euromonitor International'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.
Euromonitor International has over 40 years' experience of publishing market research reports, business reference books and online information systems. With offices in London, Chicago, Singapore, Shanghai, Vilnius, Dubai, Cape Town, Santiago, Sydney, Tokyo and Bangalore and a network of over 800 analysts worldwide, Euromonitor International has a unique capability to develop reliable information resources to help drive informed strategic planning.
Financial Cards and Payments in France
Euromonitor International
December 2022
List Of Contents And Tables
FINANCIAL CARDS AND PAYMENTS IN FRANCE
EXECUTIVE SUMMARY
Financial cards and payments in 2022: The big picture
Contactless and mobile payments, and switches to dematerialised pre-paid cards lead the trends
Competitive landscape
What next for financial cards and payments?
MARKET INDICATORS
Table 1 Number of POS Terminals: Units 2017-2022
Table 2 Number of ATMs: Units 2017-2022
Table 3 Value Lost to Fraud 2017-2022
Table 4 Card Expenditure by Location 2022
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2017-2022
Table 6 Domestic versus Foreign Spend 2022
MARKET DATA
Table 7 Financial Cards by Category: Number of Cards in Circulation 2017-2022
Table 8 Financial Cards by Category: Number of Accounts 2017-2022
Table 9 Financial Cards Transactions by Category: Value 2017-2022
Table 10 Financial Cards by Category: Number of Transactions 2017-2022
Table 11 Consumer Payments by Category: Value 2017-2022
Table 12 Consumer Payments by Category: Number of Transactions 2017-2022
Table 13 M-Commerce by Category: Value 2017-2022
Table 14 M-Commerce by Category: % Value Growth 2017-2022
Table 15 Financial Cards: Number of Cards by Issuer 2017-2021
Table 16 Financial Cards: Number of Cards by Operator 2017-2021
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2017-2021
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2017-2021
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2022-2027
Table 20 Forecast Financial Cards by Category: Number of Accounts 2022-2027
Table 21 Forecast Financial Cards Transactions by Category: Value 2022-2027
Table 22 Forecast Financial Cards by Category: Number of Transactions 2022-2027
Table 23 Forecast Consumer Payments by Category: Value 2022-2027
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2022-2027
Table 25 Forecast M-Commerce by Category: Value 2022-2027
Table 26 Forecast M-Commerce by Category: % Value Growth 2022-2027
DISCLAIMER
SOURCES
Summary 1 Research Sources
DEBIT CARDS IN FRANCE
KEY DATA FINDINGS
2022 DEVELOPMENTS
Ongoing progression in the number of debit cards, while average transaction values remain more modest
Ongoing growth for contactless payments in 2022, while remote and proxy payments forge ahead
CB is back in the game of operators, while players release successful 2021 financial figures
PROSPECTS AND OPPORTUNITIES
Ongoing growth following the acceleration of digitised payments and the recovery of commercial debit cards
The maintenance of free services and the strengthening of security in terms of both physical and online payments will remain crucial
Brands set to forge ahead with online and virtual payments, as Boursorama is on its path to reach 4.5 million customers
CATEGORY DATA
Table 27 Debit Cards: Number of Cards in Circulation 2017-2022
Table 28 Debit Cards Transactions 2017-2022
Table 29 Debit Cards in Circulation: % Growth 2017-2022
Table 30 Debit Cards Transactions: % Growth 2017-2022
Table 31 Debit Cards: Number of Cards by Issuer 2017-2021
Table 32 Debit Cards: Number of Cards by Operator 2017-2021
Table 33 Debit Cards Payment Transaction Value by Issuer 2017-2021
Table 34 Debit Cards Payment Transaction Value by Operator 2017-2021
Table 35 Forecast Debit Cards: Number of Cards in Circulation 2022-2027
Table 36 Forecast Debit Cards Transactions 2022-2027
Table 37 Forecast Debit Cards in Circulation: % Growth 2022-2027
Table 38 Forecast Debit Cards Transactions: % Growth 2022-2027
CHARGE CARDS IN FRANCE
KEY DATA FINDINGS
2022 DEVELOPMENTS
Ongoing (albeit slower) growth seen in 2022, following the boost in 2021 after the pandemic declines
Commercial charge cards are back in the game following their collapse during the pandemic lockdowns
Groupement des Cartes Bancaires remains the leader ahead of Visa, Mastercard and American Express
PROSPECTS AND OPPORTUNITIES
New incentives for charge cards (lower prices, BNPL), but this is not an absolute priority target for a banker
Recovery in commercial charge cards has begun and looks set to continue, but challenges are also afoot
Biometrical recognition and instant transfers, two main challenges and opportunities for charge cards
CATEGORY DATA
Table 63 Charge Cards: Number of Cards in Circulation 2017-2022
Table 64 Charge Cards Transactions 2017-2022
Table 65 Charge Cards in Circulation: % Growth 2017-2022
Table 66 Charge Cards Transactions: % Growth 2017-2022
Table 67 Commercial Charge Cards: Number of Cards in Circulation 2017-2022
Table 68 Commercial Charge Cards Transactions 2017-2022
Table 69 Commercial Charge Cards in Circulation: % Growth 2017-2022
Table 70 Commercial Charge Cards Transactions: % Growth 2017-2022
Table 71 Personal Charge Cards: Number of Cards in Circulation 2017-2022
Table 72 Personal Charge Cards Transactions 2017-2022
Table 73 Personal Charge Cards in Circulation: % Growth 2017-2022
Table 74 Personal Charge Cards Transactions: % Growth 2017-2022
Table 75 Charge Cards: Number of Cards by Issuer 2017-2021
Table 76 Charge Cards: Number of Cards by Operator 2017-2021
Table 77 Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 78 Charge Cards Payment Transaction Value by Operator 2017-2021
Table 79 Commercial Charge Cards: Number of Cards by Issuer 2017-2021
Table 80 Commercial Charge Cards: Number of Cards by Operator 2017-2021
Table 81 Commercial Charge Cards Payment Transaction Value by Issuer 2017-2021
Table 82 Commercial Charge Cards Payment Transaction Value by Operator 2017-2021
Table 83 Personal Charge Cards: Number of Cards by Issuer 2017-2021
Table 84 Personal Charge Cards: Number of Cards by Operator 2017-2021
Table 85 Personal Charge Cards Transaction Value by Issuer 2017-2021
Table 86 Personal Charge Cards Transaction Value by Operator 2017-2021
Table 87 Forecast Charge Cards: Number of Cards in Circulation 2022-2027
Table 88 Forecast Charge Cards Transactions 2022-2027
Table 89 Forecast Charge Cards in Circulation: % Growth 2022-2027
Table 90 Forecast Charge Cards Transactions: % Growth 2022-2027
Table 91 Forecast Commercial Charge Cards: Number of Cards in Circulation 2022-2027
Table 92 Forecast Commercial Charge Cards Transactions 2022-2027
Table 93 Forecast Commercial Charge Cards in Circulation: % Growth 2022-2027
Table 94 Forecast Commercial Charge Cards Transactions: % Growth 2022-2027
Table 95 Forecast Personal Charge Cards: Number of Cards in Circulation 2022-2027
Table 96 Forecast Personal Charge Cards Transactions 2022-2027
Table 97 Forecast Personal Charge Cards in Circulation: % Growth 2022-2027
Table 98 Forecast Personal Charge Cards Transactions: % Growth 2022-2027
PRE-PAID CARDS IN FRANCE
KEY DATA FINDINGS
2022 DEVELOPMENTS
Open loop pre-paid cards see ongoing success, but at lower rates than expected due to the ongoing use of paper vouchers
Closed loop pre-paid cards see more robust growth, as sales maintained through the era of the pandemic due to rise in demand for gift cards
Almost all players are now back in business, with Edenred looking to accelerate digitisation in luncheon cards
PROSPECTS AND OPPORTUNITIES
Open loop to forge ahead more in volume than in value, as closed loop set to see acceleration due to pending Olympic Games
Closed loop pre-paid cards -sped up digitalisation of gifts cards and the opportunities connected to working from home
Visa, Mastercard and other players need new prospects and should favour pre-paid cards, notably via mobile payment
CATEGORY DATA
Table 99 Pre-paid Cards: Number of Cards in Circulation 2017-2022
Table 100 Pre-paid Cards Transactions 2017-2022
Table 101 Pre-paid Cards in Circulation: % Growth 2017-2022
Table 102 Pre-paid Cards Transactions: % Growth 2017-2022
Table 103 Closed Loop Pre-paid Cards Transactions 2017-2022
Table 104 Closed Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 105 Open Loop Pre-paid Cards Transactions 2017-2022
Table 106 Open Loop Pre-paid Cards Transactions: % Growth 2017-2022
Table 107 Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 108 Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 109 Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 110 Pre-paid Cards Transaction Value by Operator 2017-2021
Table 111 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 112 Closed Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 113 Closed Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 114 Closed Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 115 Open Loop Pre-paid Cards: Number of Cards by Issuer 2017-2021
Table 116 Open Loop Pre-paid Cards: Number of Cards by Operator 2017-2021
Table 117 Open Loop Pre-paid Cards Transaction Value by Issuer 2017-2021
Table 118 Open Loop Pre-paid Cards Transaction Value by Operator 2017-2021
Table 119 Forecast Pre-paid Cards: Number of Cards in Circulation 2022-2027
Table 120 Forecast Pre-paid Cards Transactions 2022-2027
Table 121 Forecast Pre-paid Cards in Circulation: % Growth 2022-2027
Table 122 Forecast Pre-paid Cards Transactions: % Growth 2022-2027
Table 123 Forecast Closed Loop Pre-paid Cards Transactions 2022-2027
Table 124 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2022-2027
Table 125 Forecast Open Loop Pre-paid Cards Transactions 2022-2027
Table 126 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2022-2027
STORE CARDS IN FRANCE
KEY DATA FINDINGS
2022 DEVELOPMENTS
Store cards continue on a historic decline, especially in the light of rising inflation
BNPL and e-commerce options offer advantages, but strong competition comes from co-branded credit cards
Issuers face ongoing challenges, whilst some brands find inventive ways to attract customers
PROSPECTS AND OPPORTUNITIES
Ongoing issues in tracking consumer experiences, a continuous surge of multi-fascia cards and co-branded credit cards, alongside the questioning of BNPL
Store cards will see ongoing organic declines, despite the rise of e-commerce variants
More digital wallets to be associated with store cards
CATEGORY DATA
Table 127 Store Cards: Number of Cards in Circulation 2017-2022
Table 128 Store Cards Transactions 2017-2022
Table 129 Store Cards in Circulation: % Growth 2017-2022
Table 130 Store Cards Transactions: % Growth 2017-2022
Table 131 Store Cards: Number of Cards by Issuer 2017-2021
Table 132 Store Cards: Payment Transaction Value by Issuer 2017-2021
Table 133 Forecast Store Cards: Number of Cards in Circulation 2022-2027
Table 134 Forecast Store Cards Transactions 2022-2027
Table 135 Forecast Store Cards in Circulation: % Growth 2022-2027
Table 136 Forecast Store Cards Transactions: % Growth 2022-2027
CREDIT CARDS IN FRANCE
KEY DATA FINDINGS
2022 DEVELOPMENTS
Robust growth seen in the number of credit cards from mid-2021, thanks to lessening of pandemic restrictions
The need to use credit cards during the post-pandemic crisis vs skyrocketing debt consolidation and national tendency to save rather than borrow during hard times
Mastercard proves competition to the ubiquitous CB with co-branding options
PROSPECTS AND OPPORTUNITIES
Credit cards set to see stronger recovery than expected, supported by the controversial BNPL method
Consumers will continue to seek low risk options, with the ongoing success of BNPL unknown
More room for growth for both existing and new issuers, with a range of attractive offers expected over the forecast period
CATEGORY DATA
Table 39 Credit Cards: Number of Cards in Circulation 2017-2022
Table 40 Credit Cards Transactions 2017-2022
Table 41 Credit Cards in Circulation: % Growth 2017-2022
Table 42 Credit Cards Transactions: % Growth 2017-2022
Table 43 Personal Credit Cards: Number of Cards in Circulation 2017-2022
Table 44 Personal Credit Cards Transactions 2017-2022
Table 45 Personal Credit Cards in Circulation: % Growth 2017-2022
Table 46 Personal Credit Cards Transactions: % Growth 2017-2022
Table 47 Credit Cards: Number of Cards by Issuer 2017-2021
Table 48 Credit Cards: Number of Cards by Operator 2017-2021
Table 49 Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 50 Credit Cards Payment Transaction Value by Operator 2017-2021
Table 51 Personal Credit Cards: Number of Cards by Issuer 2017-2021
Table 52 Personal Credit Cards: Number of Cards by Operator 2017-2021
Table 53 Personal Credit Cards Payment Transaction Value by Issuer 2017-2021
Table 54 Personal Credit Cards Payment Transaction Value by Operator 2017-2021
Table 55 Forecast Credit Cards: Number of Cards in Circulation 2022-2027
Table 56 Forecast Credit Cards Transactions 2022-2027
Table 57 Forecast Credit Cards in Circulation: % Growth 2022-2027
Table 58 Forecast Credit Cards Transactions: % Growth 2022-2027
Table 59 Forecast Personal Credit Cards: Number of Cards in Circulation 2022-2027
Table 60 Forecast Personal Credit Cards Transactions 2022-2027
Table 61 Forecast Personal Credit Cards in Circulation: % Growth 2022-2027
Table 62 Forecast Personal Credit Cards Transactions: % Growth 2022-2027
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