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Report Title

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

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


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

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



Executive Summary

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

Summary

GlobalData's "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 GlobalData'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, Societe Generale and Caisse d'Epargne ╬le-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.

Table of Contents

1. EXECUTIVE SUMMARY 2

1.1. Market overview 2

1.2. Key facts 4

1.3. Top five industry events 5

2. PAYMENT INSTRUMENTS 12

2.1. Current payment environment 12

3. E-COMMERCE AND ALTERNATIVE PAYMENTS 14

3.1. E-Commerce market analysis 14

3.2. Alternative payment solutions 16

3.2.1. Paylib 16

3.2.2. SlimPay 16

3.2.3. PayPal 16

3.2.4. Apple Pay 16

3.2.5. Visa Checkout 17

3.2.6. MasterPass 17

3.2.7. Seqr 17

3.2.8. paysafecard 17

3.2.9. Boku 18

4. REGULATIONS IN THE CARDS AND PAYMENTS INDUSTRY 19

4.1. Regulatory framework 19

4.1.1. SEPA cards framework 19

4.1.2. Implementation of the payment services directive (PSD) 20

4.1.3. Payment Services Directive 2 (PSD2) 21

4.1.4. Interchange fee regulation 22

4.2. Anti-money laundering 23

4.3. Foreign direct investment (FDI) regulations 23

5. ANALYSIS OF CARDS AND PAYMENTS INDUSTRY DRIVERS 24

6. PAYMENT CARDS 27

7. DEBIT CARDS 29

7.1. Debit cards market analysis 29

7.2. Competition in the debit cards market 31

7.3. Debit cards comparison 32

8. PAY LATER CARDS 33

8.1. Pay later cards market analysis 33

8.2. Competition in the pay later cards market 35

8.3. Pay later cards comparison 37

9. PREPAID CARDS 39

10. MERCHANT ACQUIRING 40

11. APPENDIX 43

11.1. Abbreviations and acronyms 43

11.2. Supplementary data 44

11.3. Definitions 59

11.4. Common payment card features 60

11.5. Methodology 61

11.6. Bibliography 63

11.7. Further reading 63

To know more information on Purchase by Section, please send a mail to sales@kenresearch.com

List of Figures

Figure 1: France, Payment Instrument Shares by Transaction Value (%), 2012 vs 2016 12

Figure 2: France, Payment Instrument Shares by Transaction Volume (%), 2012 vs 2016 13

Figure 3: France, E-Commerce Value 14

Figure 4: France, Population and Economic Indicators 24

Figure 5: France, ATMs, POS Terminals and Household Consumption 25

Figure 6: France, Payment Cards Transaction Value and Cards in Circulation, 2012-2020 27

Figure 7: France, Debit Card Penetration and Turnover Per Card 29

Figure 8: France, Debit Cards Scheme and Issuer Transaction Value Share (%), 2016 31

Figure 9: France, Pay Later Card Penetration and Turnover Per Card 33

Figure 10: France, Pay Later Cards Scheme and Issuer Transaction Value Share (%), 2016 35

Figure 11: France, Prepaid Cards in Circulation and Transaction Value, 2012-2020 39

Figure 12: France, Merchant Acquiring Transaction Volume and Value, 2012-2020 40

Figure 13: France, Acquirers' Market Share in Terms of Transaction Volume and Value (%), 2016 41

Figure 14: France, Average Merchant Service Charge and Interchange Fee (%), 2012-2020 42

List of Tables

Table 1: France, Key Facts, 2016 4

Table 2: France, Regional Benchmarking of Payment Cards, 2016 4

Table 3: France, Mode of Entry of Foreign Banks 23

Table 4: France, Debit Cards Comparison and Key Features, 2017 32

Table 5: France, Gold Credit Cards Comparison and Key Features, 2017 37

Table 6: France, Premium Credit Cards Comparison and Key Features, 2017 37

Table 7: France, Charge Cards Comparison and Key Features, 2017 38

Table 8: France, Payment Instrument Transaction Values (EUR Billion), 2012-2016 44

Table 9: France, Payment Instrument Transaction Values (US$ Billion), 2012-2016 44

Table 10: France, Payment Instrument Transaction Volumes (Billion), 2012-2016 44

Table 11: France, Payment Cards in Circulation by Type (Million), 2012-2020 45

Table 12: France, Volume of Payment Card Transactions (Million), 2012-2020 45

Table 13: France, Value of Payment Card Transactions (EUR Billion), 2012-2020 45

Table 14: France, Value of Payment Card Transactions (US$ Billion), 2012-2020 45

Table 15: France, Debit Cards in Circulation (Million), 2012-2020 46

Table 16: France, Debit Card Transaction Volumes, 2012-2020 46

Table 17: France, Debit Card Transaction Values (EUR), 2012-2020 46

Table 18: France, Debit Card Transaction Values (US$), 2012-2020 47

Table 19: France, Debit Cards in Circulation by Scheme (Million), 2012-2016 47

Table 20: France, Debit Card Transaction Values by Scheme (EUR Billion), 2012-2016 47

Table 21: France, Debit Card Transaction Values by Scheme (US$ Billion), 2012-2016 47

Table 22: France, Debit Card Transaction Values by Issuer (EUR Billion), 2012-2016 48

Table 23: France, Debit Card Transaction Values by Issuer (US$ Billion), 2012-2016 48

Table 24: France, Pay Later Cards in Circulation (Million), 2012-2020 48

Table 25: France, Pay Later Card Transaction Volumes, 2012-2020 49

Table 26: France, Pay Later Card Transaction Values (EUR), 2012-2020 49

Table 27: France, Pay Later Card Transaction Values (US$), 2012-2020 49

Table 28: France, Pay Later Cards in Circulation by Scheme (Million), 2012-2016 50

Table 29: France, Pay Later Card Transaction Values by Scheme (EUR Billion), 2012-2016 50

Table 30: France, Pay Later Card Transaction Values by Scheme (US$ Billion), 2012-2016 50

Table 31: France, Pay Later Card Transaction Values by Issuer (EUR Billion), 2012-2016 50

Table 32: France, Pay Later Card Transaction Values by Issuer (US$ Billion), 2012-2016 51

Table 33: France, Credit Cards in Circulation (Million), 2012-2020 51

Table 34: France, Credit Card Transaction Volumes, 2012-2020 51

Table 35: France, Credit Card Transaction Values (EUR), 2012-2020 52

Table 36: France, Credit Card Transaction Values (US$), 2012-2020 52

Table 37: France, Credit Cards in Circulation by Scheme (Million), 2012-2016 52

Table 38: France, Credit Card Transaction Values by Scheme (EUR Billion), 2012-2016 53

Table 39: France, Credit Card Transaction Values by Scheme (US$ Billion), 2012-2016 53

Table 40: France, Charge Cards in Circulation (Million), 2012-2020 53

Table 41: France, Charge Card Transaction Volumes, 2012-2020 53

Table 42: France, Charge Card Transaction Values (EUR), 2012-2020 54

Table 43: France, Charge Card Transaction Values (US$), 2012-2020 54

Table 44: France, Charge Cards in Circulation by Scheme (Million), 2012-2016 54

Table 45: France, Charge Card Transaction Values by Scheme (EUR Billion), 2012-2016 55

Table 46: France, Charge Card Transaction Values by Scheme (US$ Billion), 2012-2016 55

Table 47: France, Prepaid Cards in Circulation (Million), 2012-2020 55

Table 48: France, Prepaid Card Transaction Values (EUR Million), 2012-2020 55

Table 49: France, Prepaid Card Transaction Values (US$ Million), 2012-2020 55

Table 50: France, Merchant Acquiring Transaction Volumes (Billion), 2012-2020 56

Table 51: France, Merchant Acquiring Transaction Values (EUR Billion), 2011-2020 56

Table 52: France, Merchant Acquiring Transaction Values (US$ Billion), 2012-2020 56

Table 53: France, Acquirers' Transaction Volumes (Billion), 2012-2016 56

Table 54: France, Acquirers' Transaction Values (EUR Billion), 2012-2016 57

Table 55: France, Acquirers' Transaction Values (US$ Billion), 2012-2016 57

Table 56: France, Retail Outlets and Card-Accepting Merchants (Thousand), 2012-2020 57

Table 57: France, Debit Card Average Interchange Fees (%), 2012-2016 57

Table 58: France, Debit Card Merchant Service Charge and Interchange Fee (%), 2012-2020 58

Table 59: France, Pay Later Card Average Interchange Fees (%), 2012-2016 58

Table 60: France, Pay Later Card Merchant Service Charge and Interchange Fee (%), 2012-2020 58

Table 61: Definitions of Commonly Used Terms 59

Table 62: Common Features of Payment Cards 60

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Credit Agricole, Credit Mutuel, BPCE Bank, Societe Generale, La Banque Postale, BNP Paribas, Cartes Bancaries

cards and payments, France, Financial cards, Debit cards, Credit cards, Charge cards, E-commerce, Alternative payments


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