The data indicates that the number of cards with a delayed debit function per inhabitant in France is expected to decrease from a value of 0.074 in 2024 to 0.018 by 2028. Compared to 2023, where the value stood at 0.085, this represents a consistent year-on-year decrease. Specifically, from 2024 to 2025, there is a drop of 18.9%, followed by 25% from 2025 to 2026, 31.1% between 2026 to 2027, and another 41.9% decrease from 2027 to 2028.
Over the next five years, these changes reflect a compound annual growth rate (CAGR) of approximately -21%. This consistent decline suggests a shift in consumer preference or market conditions away from delayed debit cards, possibly in favor of other payment methods such as instant debit cards, digital wallets, or contactless payments.
Future trends to watch for include:
- The impact of evolving financial technologies on payment preferences.
- Regulatory changes affecting the banking and payment systems.
- Consumer behavior shifts towards newer, more convenient payment solutions.
- Increased competition from fintech companies offering alternative payment options.
