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The Cards and Payments Industry in France: Emerging Trends and Opportunities to 2019

Published By :

Timetric

Published Date : Feb 2016

Category :

Banking

No. of Pages : 73 Pages

Synopsis

Timetrics 'The Cards and Payments Industry in France: Emerging Trends and Opportunities to 2019' report provides detailed analysis of market trends in France's cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including check payments, credit transfers, direct debits, payment cards and cash transactions during the review period (20102014).

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 (20152019). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.

The report brings together Timetrics research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies, recent changes in regulatory structure, card fraud statistics and profiles of card issuers operating in the country.

Summary

Timetrics 'The Cards and Payments Industry in France: Emerging Trends and Opportunities to 2019' report provides top-level market analysis, information and insights into France's cards and payments industry, including:

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

Scope

  • This report provides a comprehensive analysis of France's cards and payments industry.
  • It provides current values for France's cards and payments industry for 2014, and forecast figures to 2019.
  • It details the different demographic, economic, infrastructural and business drivers affecting France's cards and payments industry.
  • It outlines the current regulatory framework in the industry.
  • It details marketing strategies used by various banks and other institutions.
  • It profiles major banks in France's cards and payments industry.

Reasons To Buy

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

Key Highlights

  • The French payment cards market has seen the uptake of contactless technology. According to the French Association of Contactless Mobile (AFSCM), the number of contactless transactions increased rapidly to reach 21.9 million as of September 2015, registering a staggering rise of 218%, over September 2014. In this regards, banks and telecom operators are launching contactless m-payment services. One of the latest being Crdit Mutuel-CIC app introduced by Crdit Mutuel in partnership with m-payment solution provider, Airtag in November 2015. Similarly, BNP Paribas expanded its KIX contactless payments service in April 2014, allowing its customers to make contactless payments for purchases of up to US$333.2 (EUR300) with a monthly ceiling of US$1,666.1 (EUR1,500). However, users must enter their PIN for payments over US$22.2 (EUR20). These moves are anticipated to further increase contactless transactions in France.
  • To increase the uptake of mobile POS (mPOS) among small merchants, solution providers are offering terminals at lower costs. According to a 2014 study by Visa Europe, there were 730,000 small and medium enterprises (SMEs) in the country equipped with smartphones but are not accepting card payments. Therefore, POS terminal manufacturers are introducing low-cost terminals to increase merchant adoption. For example, iZettle launched a card reader exclusively for small merchants in May 2015, allowing them to accept mobile payments (m-payments) by simply connecting the reader to a smartphone. Similarly, Payleven and SumUp offer low-cost card readers for small merchants. The introduction of low-cost solutions is anticipated to encourage merchants to accept card-based payments, further driving payment card transaction volumes and values.
  • Despite the availability of secure online payment solutions; Verified by Visa and MasterCard Secure Code, online card fraud grew during the review period (20102014). Card-not-present fraud accounted for 63.4%, the highest share of the total fraud registered in 2014. To curb this, banks in France are experimenting with new a technology called motion code solution, under which the three-digit security (CVV) code on the back of the card is replaced with a mini-screen which displays a code that changes automatically at regular intervals. The project was undertaken by BCPE and BNP Paribas in partnership with Oberthur Technologies, and is presently under pilot. The two banks are planning to roll out the solution over the course of 2016. This additional security is anticipated to reduce the probability of card being used for fraudulent transactions online.

Table of Contents

1 Definitions and Methodology

1.1 Definitions
1.2 Methodology

2 Key Facts and Events

3 Executive Summary

4 Payment Instruments

4.1 Current Payment Environment

5 E-Commerce
5.1 E-Commerce Market Analysis

6 Alternative Payments
6.1 Alternative Payment Instruments
6.1.1 Paylib
6.1.2 Hype
6.1.3 SlimPay
6.1.4 Starbucks mobile wallet
6.1.5 MasterPass
6.1.6 Visa Checkout
6.1.7 Seqr

7 Regulations in the Cards and Payments Industry
7.1 Regulatory Framework
7.1.1 SEPA cards framework
7.1.2 Interchange fee regulation
7.1.3 Regulation on cash transactions
7.2 Anti-Money Laundering (AML)
7.3 Foreign Direct Investment (FDI) Regulations

8 Analysis of Cards and Payments Industry Drivers
8.1 Demographic Drivers
8.2 Economic Drivers
8.3 Infrastructure Drivers
8.4 Business Drivers

9 Market Segmentation
9.1 Market Segmentation and Targeting
9.1.1 Consumer cards
9.1.2 Commercial cards

10 Payment Cards
10.1 Payment Cards Analysis
10.1.1 Volume and value of payment card transactions by type
10.1.2 Personal vs commercial cards

11 Debit Cards
11.1 Debit Card Market Analysis
11.1.1 Debit card transaction volumes and values by channel
11.1.2 Debit card scheme and issuer shares in terms of transaction value
11.1.3 Debit cards comparison

12 Credit Cards
12.1 Credit Card Market Analysis
12.1.1 Credit card transaction volumes and values by channel
12.1.2 Credit card scheme and issuer shares in terms of transaction value
12.1.3 Credit cards comparison

13 Charge Cards
13.1 Charge Card Market Analysis
13.1.1 Charge card transaction volumes and values by channel
13.1.2 Charge card scheme shares in terms of transaction value
13.1.3 Charge cards comparison

14 Commercial Cards
14.1 Commercial Card Market Analysis
14.1.1 Commercial cards comparison

15 Card Fraud Statistics
15.1 Card Fraud Analysis

16 Card Issuers
16.1 BPCE Group
16.2 BNP Paribas
16.3 Crdit Agricole
16.4 Crdit Mutuel-CIC Group
16.5 La Banque Postale

17 Prepaid Cards
17.1 Prepaid Card Market Analysis
17.1.1 Prepaid cards comparison

18 Private Label Cards
18.1 Private Label Card Market Analysis
19 Merchant Acquiring
19.1 Merchant Acquiring Market Analysis

20 Appendix
20.1 Tables
20.2 Contact Timetric
20.3 About Timetric
20.4 Timetrics Services
20.5 Disclaimer

List of Table

Table 1: Key Definitions
Table 2: Annual Average Exchange Rate
Table 3: France Key Facts, 2014
Table 4: Regional Benchmarking of France Payment Cards, 2014
Table 5: France Mode of Entry of Foreign Banks
Table 6: Cards for High-Income Consumers, 2016
Table 7: Cards for Travelers, 2016
Table 8: Cards for Online Shoppers, 2016
Table 9: Cards for Retail Shoppers, 2016
Table 10: Cards for Students and Young Population, 2016
Table 11: Commercial Cards Comparison and Key Features, 2016
Table 12: France Debit Cards Comparison and Key Features, 2015
Table 13: France Gold Credit Cards Comparison and Key Features, 2015
Table 14: France Premium Credit Cards Comparison and Key Features, 2015
Table 15: France Charge Cards Comparison and Key Features, 2015
Table 16: France Commercial Cards Comparison and Key Features, 2015
Table 17: France Prepaid Cards Comparison and Key Features, 2015
Table 18: France Private Label Credit Cards Comparison and Key Features, 2016
Table 19: France Payment Instrument Transaction Values (EUR Billion), 20102014
Table 20: France Payment Instrument Transaction Values (US$ Billion), 20102014
Table 21: France Payment Instrument Transaction Volumes (Billion), 20102014
Table 22: France Number of Payment Cards in Circulation by Type (Million), 20102019
Table 23: France Volume of Payment Card Transactions by Type (Million), 20102019
Table 24: France Value of Payment Card Transactions by Type (EUR Billion), 20102019
Table 25: France Value of Payment Card Transactions by Type (US$ Billion), 20102019
Table 26: France Personal and Commercial Card Transaction Volumes (Million), 20102019
Table 27: France Personal and Commercial Card Transaction Values (EUR Billion), 20102019
Table 28: France Personal and Commercial Card Transaction Values (US$ Billion), 20102019
Table 29: France Number of Debit Cards in Circulation (Million), 20102019
Table 30: France Debit Card Transaction Volumes and Frequency by Channel, 20102019
Table 31: France Debit Card Total and Average Transaction Values by Channel, 20102019
Table 32: France Debit Card Total and Average Transaction Values by Channel, 20102019
Table 33: France Number of Debit Cards in Circulation by Scheme (Million), 20102014
Table 34: France Debit Card Transaction Values by Scheme (EUR Billion), 20102014
Table 35: France Debit Card Transaction Values by Scheme (US$ Billion), 20102014
Table 36: France Debit Card Transaction Values by Issuer (EUR Billion), 20102014
Table 37: France Debit Card Transaction Values by Issuer (US$ Billion), 20102014
Table 38: France Number of Credit Cards in Circulation (Million), 20102019
Table 39: France Credit Card Transaction Volumes and Frequency by Channel, 20102019
Table 40: France Credit Card Total and Average Transaction Values by Channel, 20102019
Table 41: France Credit Card Total and Average Transaction Values by Channel, 20102019
Table 42: France Number of Credit Cards in Circulation by Scheme (Million), 20102014
Table 43: France Credit Card Transaction Values by Scheme (EUR Billion), 20102014
Table 44: France Credit Card Transaction Values by Scheme (US$ Billion), 20102014
Table 45: France Pay Later Card Transaction Values by Issuer (EUR Billion), 20102014
Table 46: France Pay Later Card Transaction Values by Issuer (US$ Billion), 20102014
Table 47: France Credit Card Balances Outstanding by Issuer (EUR Billion), 20102014
Table 48: France Credit Card Balances Outstanding by Issuer (US$ Billion), 20102014
Table 49: France Number of Charge Cards in Circulation (Million), 20102019
Table 50: France Charge Card Transaction Volumes and Frequency by Channel, 20102019
Table 51: France Charge Card Total and Average Transaction Values by Channel, 20102019
Table 52: France Charge Card Total and Average Transaction Values by Channel, 20102019
Table 53: France Number of Charge Cards in Circulation by Scheme (Million), 20102014
Table 54: France Charge Card Transaction Values by Scheme (EUR Billion), 20102014
Table 55: France Charge Card Transaction Values by Scheme (US$ Billion), 20102014
Table 56: France Number of Commercial Cards in Circulation (Million), 20102019
Table 57: France Commercial Card Transaction Values (EUR Billion), 20102019
Table 58: France Commercial Card Transaction Values (US$ Billion), 20102019
Table 59: France Card Fraud (EUR Million), 20102014
Table 60: France Card Fraud (US$ Million), 20102014
Table 61: France Number of Prepaid Cards in Circulation (Million), 20102019
Table 62: France Prepaid Card Transaction Values (EUR Million), 20102019
Table 63: France Prepaid Card Transaction Values (US$ Million), 20102019
Table 64: France Merchant Acquiring Transaction Volumes by Channel (Billion), 20102019
Table 65: France Merchant Acquiring Transaction Values (EUR Billion), 20102019
Table 66: France Merchant Acquiring Transaction Values (US$ Billion), 20102019
Table 67: France Acquirers Transaction Volumes (Billion), 20102014
Table 68: France Acquirers Transaction Values (EUR Billion), 20102014
Table 69: France Acquirers Transaction Values (US$ Billion), 20102014
Table 70: France Retail Outlets and Merchant Accounts (Million), 20102019

List of Chart

Figure 1: France Payment Instrument Shares by Transaction Value (%), 2010 and 2014
Figure 2: France Payment Instrument Shares by Transaction Volume (%), 2010 and 2014
Figure 3: France E-Commerce Value (US$ Billion) and Payment Types (%)
Figure 4: France Total Population and Structure, 20102019
Figure 5: France Economic Indicators, 20102019
Figure 6: France Number of ATMs, POS Terminals and Number of Bank Branches, 20102019
Figure 7: France Retail Sales and Real Household Consumption, 20102014
Figure 8: France Segmentation by Card Type
Figure 9: France Growth in Payment Card Transaction Values and Number of Cards in Circulation by Type, 20102019
Figure 10: France Volume and Value of Payment Card Transactions by Type (%), 20102019
Figure 11: France Personal and Commercial Card, Transaction Volumes and Values (%), 20102019
Figure 12: France Growth in Debit Card Transaction Values and Number of Debit Cards in Circulation, 20102019
Figure 13: France Pay Now, Average Interchange Fees: Intra-Network Transactions (%), 20102014
Figure 14: France Pay Now, Average Merchant Service Charge: Domestic Transactions (%), 20102019
Figure 15: France Debit Card Transaction Volumes and Values by Channel, 20102019
Figure 16: France Debit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2014
Figure 17: France Growth in Credit Card Transaction Values and Number of Credit Cards in Circulation, 20102019
Figure 18: France Pay Later, Average Interchange Fees: Intra-Network Transactions (%), 20102014
Figure 19: France Pay Later, Average Merchant Service Charge: Domestic Transactions (%), 20102019
Figure 20: France Credit Card Transaction Volumes and Values by Channel, 20102019
Figure 21: France Credit Card Scheme and Issuer Shares in Terms of Transaction Value (%), 2014
Figure 22: France Growth in Charge Card Transaction Values and Number of Charge Cards in Circulation, 20102019
Figure 23: France Charge Card Transaction Volumes and Values by Channel, 20102019
Figure 24: France Charge Card Scheme Shares in Terms of Transaction Value (%), 2014
Figure 25: France Number of Commercial Cards in Circulation and Transaction Value, 20102019
Figure 26: France Shares of Various Types of Card Fraud in Terms of Transaction Value (%), 2010 and 2014
Figure 27: France Number of Prepaid Cards in Circulation and Transaction Value, 20102019
Figure 28: France Merchant Acquiring Transaction Volume and Value, 20102019
Figure 29: France Acquirers Market Share in Terms of Transaction Volume and Value (%), 2014
Figure 30: France Number of Retail Outlets and Total Merchant Accounts (Million), 20102019

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