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Retailer Payments, Banking, Insurance and Assistance in France investigates the market for financial services organised by close to 200 major retail brands in France. As well as examining their initiatives in payment cards, banking products, insurance and assistance, the study also examines their involvement in proprietary and coalition loyalty programs, and details the online payment mechanisms accepted by those with an online sales capability. Among other data points, the report and PartnerBASE™ dataset that accompanies it embrace the following information about the retailers covered:

- whether they offer their own credit, debit or prepaid cards and, if so, the card issuers that they work with in this context if they do not issue the cards themselves;

- whether they are linked to one or more loyalty programs and, if so, whether these are proprietary or coalition schemes;

- whether they make non-card point-of-sale finance available to their customers and, if so, the finance providers that they employ for this purpose;

- whether they promote mainstream banking products such as general-purpose personal loans, mortgages and savings accounts and, if so, the partners that they co-operate with;

- whether they distribute accident, dental, health, household, life, motor, pet or travel insurance, or any kind of assistance services and, if so, the insurance or assistance providers used;

- for retail brands with an online sales capability, the payment means and providers that they accept for online purchases with consideration of payment cards, online accounts, mobile payments, bank transfers and other online payment options.

The report and PartnerBASE™ dataset can be used in the following ways:

- to gain access to a comprehensive source of information that provides detailed insights into the involvement of major retail brands in France in payments, banking, insurance and assistance;

- to monitor the activity of key competitors in retailer financial services including Banque Accord, Cetelem, Crédit Agricole Consumer Finance, Franfinance and LaSer Cofinoga;

- to understand the potential in France for converting proprietary retailer loyalty cards and coalition loyalty schemes into fully-fledged payment cards;

- to evaluate the extent to which consolidation among conventional banks is opening up opportunities for new retailer banks to emerge as ‘consumer champions';

- to appreciate the range of online payment choices open to consumers in France who buy products and services through the websites of major retail groups.

Table Of Contents

Retailer Payments, Banking, Insurance and Assistance in France
TABLE OF CONTENTS

0.0 EXECUTIVE SUMMARY 1

1.0 INTRODUCTION 3

What is this report about? 3
Rationale 3
In many countries, consumers are tending to gravitate to larger retailers and to buy more online 3
which throws up new opportunities in payments, banking, insurance and assistance 3
Methodology 4
Survey of retailers 4
The survey's scope covers 197 important retail brands grouped across ten categories 4
Definitions 5
Payment, banking, insurance and assistance products and services 5
Operating models 7
Weighted shares 7
PartnerBASE 7
Finaccord 8

2.0 MARKET ANALYSIS 9

Introduction 9
Retailer payment cards 10
Credit, debit and prepaid cards 10
Over a third of major retail brands in France operate their own co-branded or private label payment card 10
with captive and joint venture card issuers quite commonly used in this context 10
BNP Paribas Personal Finance is particularly prominent as a co-owner of retailer joint ventures 11
By weighted share of partnerships, Credit Agricole Consumer Finance is ranked first 12
Deteriorating results mean that the ownership structure of LaSer Group may be subject to change 13
Nearly a half of retailer cards run on private payment networks in France… 13
…while Cofinoga represents a formerly private network that now serves multiple retailers 13
When viewed by network, weighted and unweighted shares are broadly similar 13
Fuel retail brands are most likely to have introduced their own payment card 15
… with brands operating a mixed distribution model also above the average 15
Gift cards 17
Just over a quarter of major French retailers offer a stored-value gift card 17
with initiatives for these products visible across all retailer categories 17
Retailer loyalty programs 19
Just under 60% of retail brands surveyed participate in any form of loyalty program 19
Specialist retailers of consumer electronics are least likely to have a loyalty program 19
Proprietary loyalty programs 21
Just under a half of major retail chains in France have launched their own proprietary loyalty scheme 21
Coalition loyalty programs 21
Two coalition loyalty programs are adhered to by retailers in France 21
Consumer finance 22
Provision rates for point-of-sale finance are substantially below those for credit cards 22
… although the providers used by retailers are often the same where both are offered 22
The strength of Cofidis among online retailers makes it the sector leader in weighted terms 23
Retailers of consumer electronics feature the highest provision rate for consumer finance 24
Banking products 26
Overview 26
11 retailer brands in France offer mainstream banking products to their customers 26
Personal loans, mortgages and savings accounts 26
all of which market general-purpose personal loans 26
At a group level, Banque Accord saw steady growth in its key operating metrics during 2012 27
International payments / remittances 28
Insurance and assistance 29
A total of 15 major retail chains in France promote mainstream forms of insurance of the type researched 29
Most insurance distribution partnerships among retailers are organised with a single, external partner 29
…with retail brands in the Casino group offering the widest array of coverage… 30
…although France Loisirs nearly matches Casino for variety of products 30
By weighted share of partnerships, Carma emerges as a likely leader in retailer insurance 31
Consumer research data illustrates the extent to which retailers are making headway in insurance 33
Online payments 33
Acceptance rates 33
Online accounts are accepted by over a half of major retail brands with an online sales capability 33
Payment cards 34
Nine different payment card brands enjoy online acceptance among major retailers in France 34
Online accounts 35
PayPal enjoys acceptance across numerous retailers but Kwixo by many fewer 35
No supermarkets were found to accept online accounts for payments via the internet 36
Mobile payments 37
Eight of the retail brands researched accept mobile payment services as an online payment means 37
although these are concentrated in just four retailer categories 38
Bank transfers 39
Direct bank transfers enjoy high acceptance rates in certain retailer categories 39
Other methods of online payment 40
Some retail brands also accept payments on delivery (COD) 40

3.0 APPENDIX 41

Major captives and joint ventures 41



LIST OF GRAPHICS / TABLES

0.0 EXECUTIVE SUMMARY 1

Provision rates for key payment, banking, insurance and assistance products, adherence rates for loyalty schemes and online payment product acceptance rates among retailers in France, 2013 2

1.0 INTRODUCTION 3

Retailers researched in France, segmented by category, 2013 4
Retailers researched in France segmented by distribution model, 2013 5

2.0 MARKET ANALYSIS 9

Provision rate for payment cards by retailers in France, 2013 10
Retailer payment cards in France: provision rate and operating models, 2013 11
Retailer payment cards in France: unweighted and weighted issuer share of partnerships, 2013 12
Retailer payment cards in France: unweighted and weighted network share of partnerships, 2013 14
Provision of retailer payment cards by retailer category and distribution model in France, 2013 16
Provision of retailer gift cards by retailer category and distribution model in France, 2013 18
Retailer loyalty programs in France: provision rates, program types and links to payment and other cards, 2013 19
Provision of or involvement in loyalty programs by retailer category and distribution model in France, 2013 20
Coalition loyalty programs in France: unweighted share of retailer brand members, 2013 22
Retailer consumer finance in France: provision rate and operating models, 2013 23
Retailer consumer finance in France: unweighted and weighted provider share of partnerships, 2013 24
Provision of retailer consumer finance by retailer category and distribution model in France, 2013 25
Retailer provision of other banking products and services in France, 2013 26
Retailer personal loans, mortgages and savings accounts in France: provision and operating models, 2013 27
Retailer personal loans, mortgages and savings accounts in France: unweighted and weighted provider share of partnerships, 2013 28
Retailer insurance and assistance in France: provision by type of insurance, 2013 29
Retailer insurance and assistance in France: provision and operating models, 2013 30
Retailer insurance and assistance in France: unweighted and weighted provider share of partnerships, 2013 31
Provision of insurance and assistance by retailer category and distribution model in France, 2013 32
Retailer online payment acceptance in France: acceptance rates by payment type, 2013 33
Payment cards accepted as an online payment mechanism by retailers in France: unweighted and weighted network share of acceptance, 2013 34
Online accounts accepted as an online payment mechanism by retailers in France: unweighted and weighted provider share of acceptance, 2013 35
Acceptance of online accounts as an online payment mechanism by retailer category in France, 2013 36
Mobile payment services accepted as an online payment mechanism by retailers in France: unweighted and weighted provider share of acceptance, 2013 37
Acceptance of mobile payments as an online payment mechanism by retailer category in France, 2013 38
Acceptance of direct bank transfers as an online payment mechanism by retailer category in France, 2013 39
Acceptance of other types of online payment mechanisms by retailer category in France, 2013 40

3.0 APPENDIX 41

Retailer captives and joint ventures in payments, banking, insurance and assistance in France: operating models, partners and ownership, 2013 42
Retailer captives and joint ventures in payments, banking, insurance and assistance in France: operating models, partners and ownership, 2013 (cont.) 42

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