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  5. > France%s Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape

Synopsis
The report provides top-level market analysis, information and insights into France’s cards and payments industry, including:
- Current and forecast values for each category of France’s cards and payments industry, including debit cards, credit cards and prepaid cards
- Comprehensive analysis of the industry’s market attractiveness and future growth areas
- Analysis of various market drivers and regulations governing France’s cards and payments industry
- Detailed analysis of the marketing strategies adopted for selling debit, credit and prepaid cards used by banks and other institutions in the market
- Comprehensive analysis of consumer attitudes and buying preferences for cards
- The competitive landscape of France’s cards and payments industry

Summary
France is the world’s most visited country and the third-largest in terms of income generated from tourism, according to Central Intelligence Agency (CIA), with around 80 million foreign tourists visit France on an annual basis. The economy underwent a slowdown in 2008–2009, with a prolonged impact on the overall financial services industry.

The economy showed signs of recovery and emerged from the slowdown to record GDP growth of 0.15% in 2013. Forecast-period economic growth is expected to result in more investments in the cards and payments industry.

In terms of number of cards in circulation, the card payments channel as a whole grew at a compound annual growth rate (CAGR) of 3.20% during the review period (2009–2013), primarily driven by the prepaid and debit card categories. The credit and charge card categories registered a decline during the review period. The slow growth was primarily the result of the financial and European debt crises.

During the review period, prepaid cards registered the highest growth, at a CAGR of 6.84% and debit cards posted a CAGR of 5.95%. The industry is expected to post a forecast-period (2014–2018) CAGR of 3.83%, driven primarily by the debit cards category which is expected to post a CAGR of 5.13%. The prepaid cards category is projected to post a forecast-period CAGR of 3.99%, while credit cards are expected to register a CAGR of -1.21%. The charge cards category declined at a review-period CAGR of -5.85% and is expected to register a forecast-period CAGR of 2.71%.

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 2013, and forecast figures for 2018.
- It details the different economic, infrastructural and business drivers affecting France’s cards and payments industry.
- It outlines the current regulatory framework in the industry.
- It details the marketing strategies used by various banks and other institutions.
- It profiles the 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 within France’s cards and payments industry.
- Assess the competitive dynamics in France’s cards and payments industry.
- Gain insights in to the marketing strategies used for selling various card types in France.
- Gain insights into key regulations governing France’s cards and payments industry.

Key Highlights
- In terms of number of cards in circulation, the highest market share in 2013 was occupied by the prepaid card category which accounted for 46.0% and is expected to grow at a forecast-period CAGR of 3.99% to reach 147.7 million cards in 2018. In terms of cards in circulation, the prepaid cards category grew from 91.2 million cards in 2009 to 118.8 million cards in 2013. The debit card category exhibited the second-highest share in 2013 and is expected to post a forecast-period CAGR of 5.13%. During the review period, the number of debit cards in circulation grew from 70.8 million in 2009 to 89.2 million in 2013, at a CAGR of 5.95%.
- In partnership with Banque Accord, BNP Paribas, and Crédit Agricole, Natural Security (user-authentication technology provider) launched a pilot project in October 2012, combining a smart payment card, biometrics and mid-range contactless communication in France. The pilot was completed in March 2013 with the participation of more than 900 consumers. The output was positive and over 90% of users were in favor of adopting the payment method.
Supermarket chains such as Leroy Merlin and the Auchan Group have launched test biometric payment systems. Customers can make payments through the system by scanning their fingerprints instead of a card. An exchange of data takes place between the card account and the fingerprint reader as soon as the customer places their hand on the scanner, resulting in high levels of customer privacy and security.
- To encourage philanthropy, many French banks offer cards specifically focused on such activities. Banks target customers involved in charitable activities to provide specialized cards for charitable programs. La Banque Postale offers a card whereby the cardholder can make donations associated with Unicef. An annual contribution of EUR2 is donated along with the card’s annual fee.
- Multi-functionality cards are attracting customers by providing access to several accounts via one card. The most popular combination of functionalities is debit and credit facilities. This concept was first offered in Australia and then adopted by other countries. Crédit Agricole is offering MasterCard Dual Action, a credit card which can be used as a debit card by selecting the ‘Cash’ option at payment terminals.

Table Of Contents

France%s Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape
Table of Contents
1 Executive Summary
2 Analysis of Industry Environment, Key Trends and Drivers
2.1 Payment Infrastructure and Emerging Technologies
2.1.1 Automatic teller machines (ATMs)
2.1.2 Point of sale (POS) terminals
2.1.3 Internet penetration
2.1.4 Contactless technologies
2.1.5 Europay, Mastercard and Visa (EMV)
2.2 Business Drivers
2.2.1 Growth of online commerce
2.2.2 Retail sales value
2.3 Economic Drivers
2.3.1 Nominal GDP per capita income
2.3.2 Real GDP growth
2.3.3 Inflation
3 Cards and Payments Industry Share Analysis
3.1 Industry Overview
3.1.1 Cash
3.1.2 Checks
3.1.3 Direct debits
3.1.4 Credit transfers
3.1.5 Cards
4 Regulatory Framework and Card Fraud Statistics
4.1 Regulatory Framework
4.1.1 SEPA cards framework
4.1.2 Anti-money laundering
4.1.3 Foreign direct investment (FDI) regulations
4.2 Card Fraud Statistics
4.2.1 Card-not-present
4.2.2 Counterfeit card
4.2.3 Lost or stolen card
4.2.4 Card ID theft
5 Emerging Consumer Attitudes and Trends
5.1 Market Segmentation and Targeting
5.1.1 Retail segment
5.1.2 Corporate segment
5.2 Travel and Tourism Spending
5.2.1 Outbound tourist volume
5.2.2 Outbound tourist spending
5.3 Retail Card Spending
5.3.1 Analysis by product categories
5.3.2 Analysis by retail channels
6 Analysis of Card Payments and Growth Prospects
6.1 Channel Share Analysis by Cards Category
6.2 Size and Forecast of the Card Payments Channel
6.2.1 Analysis by Volume of cards in circulation
6.2.2 Analysis by transaction value
7 Analysis of Credit Card Payments and Growth Prospects
7.1 Overall Category Size and Forecast
7.1.1 Analysis by volume of cards in circulation
7.1.2 Analysis by transaction value
7.1.3 Analysis by transaction volume
7.2 Transaction Share Analysis by Channel
7.2.1 Analysis by transaction value
7.2.2 Analysis by transaction volume
7.3 Personal Credit Cards Size and Forecast
7.3.1 Analysis by volume of cards in circulation
7.3.2 Analysis by transaction value
7.3.3 Analysis by transaction volume
7.4 Commercial Credit Cards Size and Forecast
7.4.1 Analysis by number of cards in circulation
7.4.2 Analysis by transaction value
7.4.3 Analysis by transaction volume
7.5 Competitive Landscape
7.5.1 Scheme share analysis
7.5.2 Issuer share analysis
8 Analysis of Debit Card Payments and Growth Prospects
8.1 Overall Category Size and Forecast
8.1.1 Analysis by volume of cards in circulation
8.1.2 Analysis by transaction value
8.1.3 Analysis by transaction volume
8.2 Transaction Share Analysis by Channel
8.2.1 Analysis by transaction value
8.2.2 Analysis by transaction volume
8.3 Competitive Landscape
8.3.1 Scheme share analysis
8.3.2 Issuer share analysis
9 Analysis of Charge Card Payments and Growth Prospects
9.1 Overall Category Size and Forecast
9.1.1 Analysis by volume of cards in circulation
9.1.2 Analysis by transaction value
9.1.3 Analysis by transaction volume
9.2 Transaction Share Analysis by Channel
9.2.1 Analysis by transaction value
9.2.2 Analysis by transaction volume
9.3 Personal Charge Cards Size and Forecast
9.3.1 Analysis by number of cards in circulation
9.3.2 Analysis by transaction value
9.3.3 Analysis by transaction volume
9.4 Commercial Charge Cards Size and Forecast
9.4.1 Analysis by volume of cards in circulation
9.4.2 Analysis by transaction value
9.4.3 Analysis by transaction volume
9.5 Competitive Landscape
9.5.1 Scheme share analysis
10 Analysis of Prepaid Card Payments and Growth Prospects
10.1 Overall Category Size and Forecast
10.1.1 Analysis by volume of cards in circulation
10.1.2 Analysis by transaction value
10.2 Open-Loop Prepaid Cards Segment Size and Forecast
10.2.1 Analysis by number of cards in circulation
10.2.2 Analysis by transaction value
10.3 Closed-Loop Prepaid Cards Segment Size and Forecast
10.3.1 Analysis by volume of cards in circulation
10.3.2 Analysis by transaction value
11 Merchant Acquiring
11.1 Merchant Acquirers in France
12 Company Profiles of Card Issuers
12.1 Credit Agricole
12.1.1 Key financials
12.1.2 Card portfolio
12.1.3 Strategies
12.2 BNP Paribas
12.2.1 Key financials
12.2.2 Card portfolio
12.2.3 Strategies
12.3 Societe Generale
12.3.1 Key financials
12.3.2 Card portfolio
12.3.3 Strategies
12.4 La Banque Postale
12.4.1 Key financials
12.4.2 Card portfolio
12.4.3 Strategies
12.5 Credit Mutuel
12.5.1 Key financials
12.5.2 Card portfolio
12.5.3 Strategies
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric's Services
13.5 Definitions
13.6 Disclaimer

List of Tables
Table 1: France - Payment Channels (EUR Billion), 2009-2013
Table 2: France - Market Entry Strategies of Foreign Banks
Table 3: France - Types of Card Fraud (EUR Million), 2009-2013
Table 4: France - Specialized Cards for the Young Population
Table 5: France - Specialized Cards for HNWIs
Table 6: France - Specialized Cards for Supporting Charitable Activities
Table 7: France - Specialized Cards for Business Needs
Table 8: France - Consumer Card Spending by Product Category (EUR Billion), 2008-2012
Table 9: France - Consumer Spending through Cards by Retail Channel (EUR Billion), 2008-2012
Table 10: France - Card Payments Channel by Card Category (Million), 2009-2018
Table 11: France - Card Payments Channel Size by Volume of Cards (Million), 2009-2018
Table 12: France - Card Payments Channel Size by Transaction Value (EUR Billion), 2009-2018
Table 13: France - Card Payments Channel Size by Transaction Value (US$ Billion), 2009-2018
Table 14: France - Credit Cards Category Size by Volume of Cards (Million), 2009-2018
Table 15: France - Credit Cards Category Size by Transaction Value (EUR Billion), 2009-2018
Table 16: France - Credit Cards Category Size by Transaction Value (US$ Billion), 2009-2018
Table 17: France - Credit Card Category Size by Transaction Volume (Million), 2009-2018
Table 18: France - Personal Credit Cards Segment Size by Volume of Cards (Million), 2009-2018
Table 19: France - Personal Credit Cards Segment Size by Transaction Value (EUR Billion), 2009-2018
Table 20: France - Personal Credit Cards Segment Size by Transaction Value (US$ Billion), 2009-2018
Table 21: France - Personal Credit Cards Segment Size by Transaction Volume (Million), 2009-2018
Table 22: France - Commercial Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018
Table 23: France - Commercial Credit Cards Segment Size by Transaction Value (EUR Million), 2009-2018
Table 24: France - Commercial Credit Cards Segment Size by Transaction Value (US$ Million), 2009-2018
Table 25: France - Commercial Credit Cards Sub-Category Size by Transaction Volume (Thousand), 2009-2018
Table 26: France - Debit Cards Category Size by Volume of Cards (Million), 2009-2018
Table 27: France - Debit Cards Category Size by Transaction Value (EUR Billion), 2009-2018
Table 28: France - Debit Cards Category Size by Transaction Value (US$ Billion), 2009-2018
Table 29: France - Debit Cards Category Size by Transaction Volume (Billion), 2009-2018
Table 30: France - Charge Cards Category Size by Volume of Cards (Million), 2009-2018
Table 31: France - Charge Cards Category Size by Transaction Value (EUR Billion), 2009-2018
Table 32: France - Charge Cards Category Size by Transaction Value (US$ Billion), 2009-2018
Table 33: France - Charge Cards Category Size by Transaction Volume (Million), 2009-2018
Table 34: France - Personal Charge Cards Sub-Category Size by Volume of Cards (Million), 2009-2018
Table 35: France - Personal Charge Cards Sub-Category Size by Transaction Value (EUR Billion), 2009-2018
Table 36: France - Personal Charge Cards Sub-Category Size by Transaction Value (US$ Billion), 2009-2018
Table 37: France - Personal Charge Cards Sub-Category Size by Transaction Volume (Million), 2009-2018
Table 38: France - Commercial Charge Cards Sub-Category Size by Volume of Cards (Thousand), 2009-2018
Table 39: France - Commercial Charge Cards Sub-Category Size by Transaction Value (EUR Million), 2009-2018
Table 40: France - Commercial Charge Cards Sub-Category Size by Transaction Value (US$ Million), 2009-2018
Table 41: France - Commercial Charge Cards Sub-Category Size by Transaction Volume (Million), 2009-2018
Table 42: France - Prepaid Cards Category Size by Volume of Cards (Million), 2009-2018
Table 43: France - Prepaid Cards Category Size by Transaction Value (EUR Million), 2009-2018
Table 44: France - Prepaid Cards Category Size by Transaction Value (US$ Million), 2009-2018
Table 45: France - Open-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 2009-2018
Table 46: France - Open-Loop Prepaid Cards Segment Size by Transaction Value (EUR Million), 2009-2018
Table 47: France - Open-Loop Prepaid Cards Segment Size by Transaction Value (US$ Million), 2009-2018
Table 48: France - Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 2009-2018
Table 49: France - Closed-Loop Prepaid Cards Segment Size by Transaction Value (EUR Million), 2009-2018
Table 50: France - Closed-Loop Prepaid Cards Segment Size by Transaction Value (US$ Million), 2009-2018
Table 51: Credit Agricole Group - Key Financial Indicators (EUR Billion), December 2011 and 2012
Table 52: Credit Agricole - Card Product Offerings and Key Features
Table 53: BNP Paribas Group - Key Financial Indicators (EUR Billion), December 2011 and 2012
Table 54: BNP Paribas - Card Product Offerings and Key Features
Table 55: Societe Generale - Key Financial Indicators (EUR Billion), December 2012 and 2013
Table 56: Societe Generale - Card Product Offerings and Key Features
Table 57: La Banque Postale - Key Financial Indicators (EUR Billion), December 2010 and 2011
Table 58: La Banque Postale - Card Product Offerings and Key Features
Table 59: Credit Mutuel - Key Financial Indicators (EUR Billion), December 2011 and 2012
Table 60: Credit Mutuel - Card Product Offerings and Key Features
Table 61: Key Definitions

List of Figures
Figure 1: France - Payment Cards Channel Benchmarking Against Other Large Markets in Europe, 2014-2018
Figure 2: France - Growth of Various Card Categories (%), 2009-2018
Figure 3: France - ATM Volume and Penetration, 2009-2018
Figure 4: France - POS Terminals Volume and Penetration, 2009-2018
Figure 5: France - Internet Penetration (Users per 100 Inhabitants), 2009-2018
Figure 6: France - Number of Contactless Cards in France (Million), 2009-2018
Figure 7: France - Number of EMV Cards (Million), 2009-2013
Figure 8: France - E-Commerce Value (EUR Billion), 2009-2018
Figure 9: France - Retail Sales Value (EUR Billion), 2009-2018
Figure 10: France - Nominal GDP Per Capita Income (US$ Thousand), 2009-2018
Figure 11: France - Real GDP Growth Rate (%), 2009-2018
Figure 12: France - Inflation Rate (%), 2009-2018
Figure 13: France - Industry Share of Payment Channels (%), 2009 and 2013
Figure 14: France - Types of Card Fraud (Percentage Shares), 2009 and 2013
Figure 15: France - Card-Not-Present Value (EUR Million), 2009-2013
Figure 16: France - Counterfeit Card Fraud Value (EUR Million), 2009-2013
Figure 17: France - Value of Lost or Stolen Card Fraud (EUR Million), 2009-2013
Figure 18: France - Card ID Theft Value (EUR Million), 2009-2013
Figure 19: France - Cards and Payments Industry Segmentation by Card Type
Figure 20: France - Volume of Outbound Trips (Million), 2009-2018
Figure 21: France - Outbound Tourist Spending (EUR Billion), 2009-2018
Figure 22: France - Retail Consumer Card Spending by Product Category (%), 2012
Figure 23: France - Retail Consumer Card Spending by Retail Channel (%), 2012
Figure 24: France - Card Payments Channel by Card Category (%), 2009-2018
Figure 25: France - Card Payments Channel Size by Volume of Cards (Million), 2009-2018
Figure 26: France - Card Payments Channel Size by Transaction Value (EUR Billion), 2009-2018
Figure 27: France - Credit Cards Volume and Penetration, 2009-2018
Figure 28: France - Credit Cards Category Size by Volume of Cards (Million), 2009-2018
Figure 29: France - Credit Cards Category Size by Transaction Value (EUR Billion), 2009-2018
Figure 30: France - Credit Card Category Size by Transaction Volume (Million), 2009-2018
Figure 31: France - Credit Card Transactions Value by Channel (EUR Billion), 2009-2018
Figure 32: France - Credit Card Transaction Volume by Channel (Million), 2009-2018
Figure 33: France - Personal Credit Cards Segment Size by Volume of Cards (Million), 2009-2018
Figure 34: France - Personal Credit Cards Segment Size by Transaction Value (EUR Billion), 2009-2018
Figure 35: France - Personal Credit Cards Segment Size by Transaction Volume (Million), 2009-2018
Figure 36: France - Commercial Credit Cards Segment Size by Volume of Cards (Thousand), 2009-2018
Figure 37: France - Commercial Credit Cards Sub-Category Size by Transaction Value (EUR Million), 2009-2018
Figure 38: France - Commercial Credit Cards Sub-Category Size by Transaction Volume (Million), 2009-2018
Figure 39: France - Credit Cards Category Share by Scheme (%), 2013
Figure 40: France - Credit Cards Category Share by Bank (%), 2013
Figure 41: France - Debit Cards Category Penetration per Inhabitant, 2009-2018
Figure 42: France - Debit Cards Category Size by Volume of Cards (Million), 2009-2018
Figure 43: France - Debit Cards Category Size by Transaction Value (EUR Billion), 2009-2018
Figure 44: France - Debit Cards Category Size by Transaction Volume (Billion), 2009-2018
Figure 45: France - Debit Card Transactions Value Share Analysis by Channel (EUR Billion), 2009-2018
Figure 46: France - Debit Card Transaction Volume Share Analysis by Channel (Billion), 2009-2018
Figure 47: France - Debit Cards Category Share by Scheme (%), 2013
Figure 48: France - Debit Cards Category Share by Bank (%), 2013
Figure 49: France - Charge Cards Category Volume and Penetration, 2009-2018
Figure 50: France - Charge Card Category Size by Volume of Cards (Million), 2009-2018
Figure 51: France - Charge Cards Category Size by Transaction Value (EUR Billion), 2009-2018
Figure 52: France - Charge Cards Category Size by Transaction Volume (Million), 2009-2018
Figure 53: France - Charge Card Transactions Value Share Analysis by Channel (EUR Billion), 2009-2018
Figure 54: France - Charge Card Transaction Volume Share Analysis by Channel (Million), 2009-2018
Figure 55: France - Personal Charge Cards Sub-Category Size by Volume of Cards (Million), 2009-2018
Figure 56: France - Personal Charge Cards Sub-Category Size by Transaction Value (EUR Billion), 2009-2018
Figure 57: France - Personal Charge Cards Sub-Category Size by Transaction Volume (Million), 2009-2018
Figure 58: France - Commercial Charge Cards Sub-Category Size by Volume of Cards (Million), 2009-2018
Figure 59: France - Commercial Charge Cards Sub-Category Size by Transaction Value (EUR Billion), 2009-2018
Figure 60: France - Commercial Charge Cards Sub-Category Size by Transaction Volume (Million), 2009-2018
Figure 61: France - Charge Cards Category Share by Scheme (%), 2013
Figure 62: France - Prepaid Cards Category Volume and Penetration, 2009-2018
Figure 63: France - Prepaid Cards Category Size by Volume of Cards (Million), 2009-2018
Figure 64: France - Prepaid Cards Category Size by Transaction Value (EUR Million), 2009-2018
Figure 65: France - Open-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 2009-2018
Figure 66: France - Open-Loop Prepaid Cards Segment Size by Transaction Value (EUR Million), 2009-2018
Figure 67: France - Closed-Loop Prepaid Cards Segment Size by Volume of Cards (Million), 2009-2018
Figure 68: France - Closed-Loop Prepaid Cards Segment Size by Transaction Value (EUR Million), 2009-2018
Figure 69: France - Market Shares of Key Acquirers in France (%), 2013

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