Financial Cards and Payments in France

November 2023
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Overview:

Understand the latest market trends and future growth opportunities for the Financial Cards and Payments industry in France with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.

Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.

If you're in the Financial Cards and Payments industry in France, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.

The Financial Cards and Payments in France report includes:

  • Analysis of key supply-side and demand trends
  • Detailed segmentation of international and local products
  • Historic volume and value sizes, company and brand market shares
  • Five year forecasts of market trends and market growth
  • Robust and transparent research methodology, conducted in-country

This report answers:

  • What is the market size of Financial Cards and Payments in France?
  • What are the major trends key to understanding Financial Cards and Payments in France?
  • How has COVID-19, recession and macroeconomic volatility impacted the market?
  • How long will the market take to recover? What are the opportunities now?
  • How will political context and shifting cultural values shape future growth?
  • Where is future growth expected to be most dynamic?
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Financial Cards and Payments in France - Industry Overview

Financial cards and payments in 2023: The big picture
2023 key trends
Competitive landscape
What next for financial cards and payments?
Table 1 Number of POS Terminals: Units 2018-2023
Table 2 Number of ATMs: Units 2018-2023
Table 3 Value Lost to Fraud 2018-2023
Table 4 Card Expenditure by Location 2023
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2018-2023
Table 6 Domestic versus Foreign Spend 2023
Table 7 Financial Cards by Category: Number of Cards in Circulation 2018-2023
Table 8 Financial Cards by Category: Number of Accounts 2018-2023
Table 9 Financial Cards Transactions by Category: Value 2018-2023
Table 10 Financial Cards by Category: Number of Transactions 2018-2023
Table 11 Consumer Payments by Category: Value 2018-2023
Table 12 Consumer Payments by Category: Number of Transactions 2018-2023
Table 13 M-Commerce by Category: Value 2018-2023
Table 14 M-Commerce by Category: % Value Growth 2018-2023
Table 15 Financial Cards: Number of Cards by Issuer 2018-2022
Table 16 Financial Cards: Number of Cards by Operator 2018-2022
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2018-2022
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2018-2022
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2023-2028
Table 20 Forecast Financial Cards by Category: Number of Accounts 2023-2028
Table 21 Forecast Financial Cards Transactions by Category: Value 2023-2028
Table 22 Forecast Financial Cards by Category: Number of Transactions 2023-2028
Table 23 Forecast Consumer Payments by Category: Value 2023-2028
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2023-2028
Table 25 Forecast M-Commerce by Category: Value 2023-2028
Table 26 Forecast M-Commerce by Category: % Value Growth 2023-2028

DISCLAIMER

Summary 1 Research Sources

Charge Cards in France - Category analysis

KEY DATA FINDINGS

Revival of MICE/business tourism boosts the use of charge cards
Merchant acceptance also contributes to the progression of charge cards
CB maintains its overall place thanks to co-branding, while Amex becomes stronger
Good omens for the short term: ongoing structural growth, the Olympic Games, and the continuous success of local tourism
Mobile payments and digital wallets will help to support the growth in charge cards
FrenchSys and other players to distance themselves from the CB system
Table 27 Charge Cards: Number of Cards in Circulation 2018-2023
Table 28 Charge Cards Transactions 2018-2023
Table 29 Charge Cards in Circulation: % Growth 2018-2023
Table 30 Charge Cards Transactions: % Growth 2018-2023
Table 31 Commercial Charge Cards: Number of Cards in Circulation 2018-2023
Table 32 Commercial Charge Cards Transactions 2018-2023
Table 33 Commercial Charge Cards in Circulation: % Growth 2018-2023
Table 34 Commercial Charge Cards Transactions: % Growth 2018-2023
Table 35 Personal Charge Cards: Number of Cards in Circulation 2018-2023
Table 36 Personal Charge Cards Transactions 2018-2023
Table 37 Personal Charge Cards in Circulation: % Growth 2018-2023
Table 38 Personal Charge Cards Transactions: % Growth 2018-2023
Table 39 Charge Cards: Number of Cards by Issuer 2018-2022
Table 40 Charge Cards: Number of Cards by Operator 2018-2022
Table 41 Charge Cards Payment Transaction Value by Issuer 2018-2022
Table 42 Charge Cards Payment Transaction Value by Operator 2018-2022
Table 43 Commercial Charge Cards: Number of Cards by Issuer 2018-2022
Table 44 Commercial Charge Cards: Number of Cards by Operator 2018-2022
Table 45 Commercial Charge Cards Payment Transaction Value by Issuer 2018-2022
Table 46 Commercial Charge Cards Payment Transaction Value by Operator 2018-2022
Table 47 Personal Charge Cards: Number of Cards by Issuer 2018-2022
Table 48 Personal Charge Cards: Number of Cards by Operator 2018-2022
Table 49 Personal Charge Cards Transaction Value by Issuer 2018-2022
Table 50 Personal Charge Cards Transaction Value by Operator 2018-2022
Table 51 Forecast Charge Cards: Number of Cards in Circulation 2023-2028
Table 52 Forecast Charge Cards Transactions 2023-2028
Table 53 Forecast Charge Cards in Circulation: % Growth 2023-2028
Table 54 Forecast Charge Cards Transactions: % Growth 2023-2028
Table 55 Forecast Commercial Charge Cards: Number of Cards in Circulation 2023-2028
Table 56 Forecast Commercial Charge Cards Transactions 2023-2028
Table 57 Forecast Commercial Charge Cards in Circulation: % Growth 2023-2028
Table 58 Forecast Commercial Charge Cards Transactions: % Growth 2023-2028
Table 59 Forecast Personal Charge Cards: Number of Cards in Circulation 2023-2028
Table 60 Forecast Personal Charge Cards Transactions 2023-2028
Table 61 Forecast Personal Charge Cards in Circulation: % Growth 2023-2028
Table 62 Forecast Personal Charge Cards Transactions: % Growth 2023-2028

Credit Cards in France - Category analysis

KEY DATA FINDINGS

Credit faces serious challenges in France, thus also affecting credit cards
Consumers switch from FMCGs to second-hand and refurbished – although services continue to perform
Banks and credit institutions struggle in the economic climate
Ongoing price-sensitivity and an aversion to credit means a gloomy outlook in the short term
More potential for online banks and neo-bank credit cards – despite their weak profitability
BNPL continues to face negative press
Table 63 Credit Cards: Number of Cards in Circulation 2018-2023
Table 64 Credit Cards Transactions 2018-2023
Table 65 Credit Cards in Circulation: % Growth 2018-2023
Table 66 Credit Cards Transactions: % Growth 2018-2023
Table 67 Personal Credit Cards: Number of Cards in Circulation 2018-2023
Table 68 Personal Credit Cards Transactions 2018-2023
Table 69 Personal Credit Cards in Circulation: % Growth 2018-2023
Table 70 Personal Credit Cards Transactions: % Growth 2018-2023
Table 71 Credit Cards: Number of Cards by Issuer 2018-2022
Table 72 Credit Cards: Number of Cards by Operator 2018-2022
Table 73 Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 74 Credit Cards Payment Transaction Value by Operator 2018-2022
Table 75 Commercial Credit Cards: Number of Cards by Issuer 2018-2022
Table 76 Personal Credit Cards: Number of Cards by Issuer 2018-2022
Table 77 Personal Credit Cards: Number of Cards by Operator 2018-2022
Table 78 Personal Credit Cards Payment Transaction Value by Issuer 2018-2022
Table 79 Personal Credit Cards Payment Transaction Value by Operator 2018-2022
Table 80 Forecast Credit Cards: Number of Cards in Circulation 2023-2028
Table 81 Forecast Credit Cards Transactions 2023-2028
Table 82 Forecast Credit Cards in Circulation: % Growth 2023-2028
Table 83 Forecast Credit Cards Transactions: % Growth 2023-2028
Table 84 Forecast Personal Credit Cards: Number of Cards in Circulation 2023-2028
Table 85 Forecast Personal Credit Cards Transactions 2023-2028
Table 86 Forecast Personal Credit Cards in Circulation: % Growth 2023-2028
Table 87 Forecast Personal Credit Cards Transactions: % Growth 2023-2028

Debit Cards in France - Category analysis

KEY DATA FINDINGS

Surprising increase of the number of debit cards and their sales – thanks to MICE and inflation
Digital payments go from strength to strength
CB maintains overall dominance due to co-branding, while competitors continue to take advantage of regulatory changes
Ongoing digitisation will support debit cards’ growth, but competition from other options remains on the horizon
Digital and neo-banks likely to forge ahead – despite weak profitability
Reinforcement of security needed, with biometrics tipped for development
Table 88 Debit Cards: Number of Cards in Circulation 2018-2023
Table 89 Debit Cards Transactions 2018-2023
Table 90 Debit Cards in Circulation: % Growth 2018-2023
Table 91 Debit Cards Transactions: % Growth 2018-2023
Table 92 Debit Cards: Number of Cards by Issuer 2018-2022
Table 93 Debit Cards: Number of Cards by Operator 2018-2022
Table 94 Debit Cards Payment Transaction Value by Issuer 2018-2022
Table 95 Debit Cards Payment Transaction Value by Operator 2018-2022
Table 96 Forecast Debit Cards: Number of Cards in Circulation 2023-2028
Table 97 Forecast Debit Cards Transactions 2023-2028
Table 98 Forecast Debit Cards in Circulation: % Growth 2023-2028
Table 99 Forecast Debit Cards Transactions: % Growth 2023-2028

Pre-Paid Cards in France - Category analysis

KEY DATA FINDINGS

Growth supported by ongoing digitalisation of closed loop pre-paid gift cards and those for travel
Open loop pre-paid cards see continuous digitalisation, despite the resilience of paper luncheon vouchers
Players in pre-paid cards benefit from ongoing digitisation
Many positive predications for pre-paid cards ahead
Open loop pre-paid cards have continuous room for improvement and dematerialisation
New players could shuffle the status quo in pre-paid cards
Table 100 Pre-paid Cards: Number of Cards in Circulation 2018-2023
Table 101 Pre-paid Cards Transactions 2018-2023
Table 102 Pre-paid Cards in Circulation: % Growth 2018-2023
Table 103 Pre-paid Cards Transactions: % Growth 2018-2023
Table 104 Closed Loop Pre-paid Cards Transactions 2018-2023
Table 105 Closed Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 106 Open Loop Pre-paid Cards Transactions 2018-2023
Table 107 Open Loop Pre-paid Cards Transactions: % Growth 2018-2023
Table 108 Pre-paid Cards: Number of Cards by Issuer 2018-2022
Table 109 Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 110 Pre-paid Cards Transaction Value by Issuer 2018-2022
Table 111 Pre-paid Cards Transaction Value by Operator 2018-2022
Table 112 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2018-2022
Table 113 Closed Loop Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 114 Closed Loop Pre-paid Cards Transaction Value by Issuer 2018-2022
Table 115 Closed Loop Pre-paid Cards Transaction Value by Operator 2018-2022
Table 116 Open Loop Pre-paid Cards: Number of Cards by Issuer 2018-2022
Table 117 Open Loop Pre-paid Cards: Number of Cards by Operator 2018-2022
Table 118 Open Loop Pre-paid Cards Transaction Value by Issuer 2018-2022
Table 119 Open Loop Pre-paid Cards Transaction Value by Operator 2018-2022
Table 120 Forecast Pre-paid Cards: Number of Cards in Circulation 2023-2028
Table 121 Forecast Pre-paid Cards Transactions 2023-2028
Table 122 Forecast Pre-paid Cards in Circulation: % Growth 2023-2028
Table 123 Forecast Pre-paid Cards Transactions: % Growth 2023-2028
Table 124 Forecast Closed Loop Pre-paid Cards Transactions 2023-2028
Table 125 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2023-2028
Table 126 Forecast Open Loop Pre-paid Cards Transactions 2023-2028
Table 127 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2023-2028

Store Cards in France - Category analysis

KEY DATA FINDINGS

Ongoing decline in store cards – notably due to the sluggish performance of retailing
Cannibalisation from more modern options and concerns around BNPL impact store cards
Some interesting initiatives hold promise, but most issuers tend to struggle
Uncertain outlook in retail means uncertainty about store cards – despite developments in m-commerce
E-wallets and m-commerce still have scope for development
BNPL continues to cast a shadow due to consumers’ aversion to debt
Table 128 Store Cards: Number of Cards in Circulation 2018-2023
Table 129 Store Cards Transactions 2018-2023
Table 130 Store Cards in Circulation: % Growth 2018-2023
Table 131 Store Cards Transactions: % Growth 2018-2023
Table 132 Store Cards: Number of Cards by Issuer 2018-2022
Table 133 Store Cards: Payment Transaction Value by Issuer 2018-2022
Table 134 Forecast Store Cards: Number of Cards in Circulation 2023-2028
Table 135 Forecast Store Cards Transactions 2023-2028
Table 136 Forecast Store Cards in Circulation: % Growth 2023-2028
Table 137 Forecast Store Cards Transactions: % Growth 2023-2028
The following categories and subcategories are included:

Financial Cards and Payments

    • ATM Cards
      • Commercial Charge Cards
      • Personal Charge Cards
      • Commercial Credit Cards
      • Personal Credit Cards
      • Commercial Debit Cards
      • Personal Debit Cards
      • Closed Loop Pre-Paid Cards
      • Open Loop Pre-Paid Cards
    • Store Cards
      • Commercial Card Payment Transactions
      • Commercial Electronic Direct/ACH Transactions
      • Commercial Paper Payment Transactions
      • Personal Card Payment Transactions
      • Personal Electronic Direct/ACH Transactions
      • Personal Paper Payment Transactions
        • Commercial Electronic Direct/ACH Transactions
        • Personal Electronic Direct/ACH Transactions
          • Commercial Cash Transactions
          • Commercial Other Paper Transactions
          • Personal Cash Transactions
          • Personal Other Paper Transactions
      • Mobile Proximity Payments
      • Mobile Remote Payments

Financial Cards and Payments

Payments are tracked based on the country of residence / account issuance and include outbound spend while excluding inbound spend.

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This report originates from Passport, our Financial Cards and Payments research and analysis database.

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