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市場調查報告書

法國金融卡和支付市場

Financial Cards and Payments in France

出版商 Euromonitor International 商品編碼 972844
出版日期 內容資訊 英文 68 Pages
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價格
法國金融卡和支付市場 Financial Cards and Payments in France
出版日期: 2020年11月19日內容資訊: 英文 68 Pages
簡介

在法國,2020年,新的冠狀病毒感染(COVID-19)的出現以及3月份為防止其傳播而採取的封鎖措施將對分發的卡數量和已支付的總金額產生重大的負面影響。是的同時,由於對價格敏感的消費者(尤其是服務業,例如旅遊業和餐飲業的消費者)的增加和可支配收入的下降,由於消費支出的減少,整個金融卡和支付行業已經變得龐大。我受到了重創。

該報告分析了法國的ATM卡,智能卡,信用卡,借記卡,簽賬卡,預付卡,商店卡以及各種金融卡的市場規模,結構以及各種付款方式。市場規模的趨勢和前景(未來五年,發行數量,交易數量/金額),按領域,市場競爭結構,主要公司(發行公司,運營商)的概況和表現的詳細趨勢,未來市場增長/我們將收集和交付信息,例如業務發展方向。

目錄

法國金融卡和支付市場:行業概述

  • 執行摘要
    • COVID-19對消費者付款的影響
    • COVID-19的國內影響
    • 限制因應對流行病而採購的非接觸式智能卡的支出,同時政府協助因封鎖而受苦的公司和員工
    • 大流行期間銀行的創新能力有限,但通過移動電子商務和金融卡增加了在線支付
    • 萬事達卡和Visa正在通過戰略合作夥伴關係,努力從其主要運營商Groupement des Cartes Bancaires獲得市場份額。
    • 消費者支付市場的下一步是什麼?
  • 市場指標
  • 市場數據
  • 免責聲明
  • 全球宏觀經濟環境
  • 全球工業環境
  • 數據源

法國借記卡市場:按類別分析

  • 市場數據:摘要
  • 對市場的影響(2020年)
    • 由於最初的恐慌和感染威脅,從現金到借記卡的轉移仍在進行中,但每筆交易的平均支出正在下降。
    • 非接觸式智能卡:根據世界衛生組織的建議,增加了市場份額並提高了付款限額
    • 市場份額:儘管在線公司子公司的份額有所增加,而萬事達卡和Visa的份額略有增加,但Cartes Bancaires的市場主導地位保持不變。
  • 市場復甦與機遇
    • 儘管流通中的個人借記卡數量繼續減少,但小額支付的頻率卻增加了,支付數量超過了感染蔓延之前的水平。
    • 物理和在線支付的增強安全性:許多公司的關注
    • 競爭激烈的在線出版商有望贏得更多客戶
  • 類別數據

法國信用卡市場:按類別分析

  • 市場數據:摘要
  • 對市場的影響(2020年)
    • 在危機時期保留法國人的習慣會對信用卡的使用產生不利影響,而感染和城市封鎖的蔓延導致整個類別的下降。
    • 國內消費者不信任信用卡:限制吸引新用戶的可能性
    • 萬事達卡(Mastercard)和Visa(Visa)與主要零售商合作,擴大了市場份額–笛卡爾銀行集團(Bankement des Cartes Bancaires)的倡議始終如一
  • 市場復甦與機遇
    • 信用卡市場恢復前景:在預測期內不太可能達到預分配水平
    • 可能發生從周轉付款的更大轉變
    • 創新的在線專家:在預測期內可能會提供更多競爭
  • 類別數據

法國簽帳卡市場:按類別分析

  • 市場數據:摘要
  • 對市場的影響(2020年)
    • 商業簽帳卡:受感染蔓延和商務旅行限制最嚴重
    • 個人簽帳卡:將在2020年繼續使用,但每筆交易的平均支出將減少
    • 笛卡爾集團繼續佔領市場,但更多的商人接受競爭對手
  • 市場復甦與機遇
    • 商業收費卡:總體前景樂觀,但短期商務旅行受到限制,因此市場不太可能恢復到危機前的市場規模。
    • 個人簽帳卡:整體市場情況正在恢復,但每筆交易的平均支出預計將繼續下降
    • 與旅行相關的商業收費卡供應商:可能在2021年掙扎
  • 類別數據

法國預付卡市場:按類別分析

  • 市場數據:摘要
  • 對市場的影響(2020年)
    • 儘管在鎖定期間總體比例會縮小,但是在此之前開環公式已經不受歡迎
    • 閉環類型具有優勢,並且會影響整個類別的性能
    • Edenred:儘管它將在2019年實現顯著增長,但由於COVID-19的影響與其他公司相同,預計對禮券和餐券的需求將減少。
  • 市場復甦與機遇
    • 以閉環為主導的市場復甦,但每筆交易的平均支出仍低於危機前
    • 用於交通和晚餐的數字支付解決方案:儘管會員店和麵向技術的用戶的引進正在不斷發展,但是由於實體卡的普及,其普及速度很慢。
    • 禮品卡恢復緩慢,預計開環預付卡的需求將進一步下降
  • 類別數據

法國商店卡市場:按類別分析

  • 市場數據:摘要
  • 對市場的影響(2020年)
    • 由於聯名信用卡的日益普及,自從感染蔓延之前,對存儲卡的興趣就下降了。
    • 鎖定減少了在不必要和不緊急的零售店使用存儲卡的機會,從而進一步惡化了市場狀況
    • 行業重組和公司整合方面的進展:農業信貸銀行在危機爆發前擴大了市場份額
  • 市場復甦與機遇
    • 由於法國人傾向於增加支付選項,因此商店卡市場持續萎縮
    • 專注於將消費者的注意力轉移到聯名信用卡上
    • 進一步探索將存儲卡鏈接到數字錢包的可能性
  • 類別數據
目錄
Product Code: FCFR

The emergence of COVID-19 in France and the subsequent lockdown measures introduced in March in an attempt to control the spread of the virus had a profound negative impact on financial cards and payments in 2020, in terms of the number of cards in circulation, and overall transaction value as price-sensitive consumers hard hit by rising unemployment levels (particularly those in service industries such as tourism and foodservice) and decreasing disposable incomes reduced overall spending. Follo...

Euromonitor International's Financial Cards and Payments in France report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Financial Cards in Circulation, M-Commerce, Transactions.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

  • Get a detailed picture of the Financial Cards and Payments market;
  • Pinpoint growth sectors and identify factors driving change;
  • Understand the competitive environment, the market's major players and leading brands;
  • Use five-year forecasts to assess how the market is predicted to develop.

TABLE OF CONTENTS

List OF CONTENTS AND TABLES

EXECUTIVE SUMMARY

COVID-19 impact on consumer payments

COVID-19 country impact

Limit on spending through contactless smart cards raised in response to pandemic while government comes to aid of businesses and employees suffering as a result of lockdown

Limited innovation from banks during pandemic but mobile m-commerce and online payments through financial cards increase

Mastercard and Visa make great efforts to gain share from dominant operator Groupement des Cartes Bancaires through strategic partnerships

What next for consumer payments?

MARKET INDICATORS

  • Table 1 Number of POS Terminals: Units 2015-2020
  • Table 2 Number of ATMs: Units 2015-2020
  • Table 3 Value Lost to Fraud 2015-2020
  • Table 4 Card Expenditure by Location 2020
  • Table 5 Financial Cards in Circulation by Type: % Number of Cards 2015-2020
  • Table 6 Domestic versus Foreign Spend 2020

MARKET DATA

  • Table 7 Financial Cards by Category: Number of Cards in Circulation 2015-2020
  • Table 8 Financial Cards by Category: Number of Accounts 2015-2020
  • Table 9 Financial Cards Transactions by Category: Value 2015-2020
  • Table 10 Financial Cards by Category: Number of Transactions 2015-2020
  • Table 11 Consumer Payments by Category: Value 2015-2020
  • Table 12 Consumer Payments by Category: Number of Transactions 2015-2020
  • Table 13 M-Commerce by Category: Value 2015-2020
  • Table 14 M-Commerce by Category: % Value Growth 2015-2020
  • Table 15 Financial Cards: Number of Cards by Issuer 2015-2019
  • Table 16 Financial Cards: Number of Cards by Operator 2015-2019
  • Table 17 Financial Cards: Card Payment Transactions Value by Operator 2015-2019
  • Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2015-2019
  • Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2020-2025
  • Table 20 Forecast Financial Cards by Category: Number of Accounts 2020-2025
  • Table 21 Forecast Financial Cards Transactions by Category: Value 2020-2025
  • Table 22 Forecast Financial Cards by Category: Number of Transactions 2020-2025
  • Table 23 Forecast Consumer Payments by Category: Value 2020-2025
  • Table 24 Forecast Consumer Payments by Category: Number of Transactions 2020-2025
  • Table 25 Forecast M-Commerce by Category: Value 2020-2025
  • Table 26 Forecast M-Commerce by Category: % Value Growth 2020-2025

DEFINITIONS

DISCLAIMER

GLOBAL MACROECONOMIC ENVIRONMENT

GLOBAL INDUSTRY ENVIRONMENT

SOURCES

    • Summary 1 Research Sources

KEY DATA FINDINGS

2020 IMPACT

Initial panic buying and concerns over coming into contact with virus support usage of debit cards over cash but average spend per transaction set to continue to decline over 2020

Contactless smart cards gain notable share following advice from World Health Organization, resulting in limit on payment amount made using this technology being raised in 2020

Share gain for issuers with online subsidiaries, while Mastercard and Visa also gain marginal ground despite Cartes Bancaires remaining as dominant operator in 2019

RECOVERY AND OPPORTUNITIES

Personal debit cards set to continue to decline in circulation but number of transactions set to surpass pre-pandemic levels as consumers make more frequent smaller payments

Strengthening security in terms of both physical and online payments will be area of focus for many players

Online issuers with competitive features likely to attract increasing number of consumers

CATEGORY DATA

  • Table 27 Debit Cards: Number of Cards in Circulation 2015-2020
  • Table 28 Debit Cards Transactions 2015-2020
  • Table 29 Debit Cards in Circulation: % Growth 2015-2020
  • Table 30 Debit Cards Transactions: % Growth 2015-2020
  • Table 31 Debit Cards: Number of Cards by Issuer 2015-2019
  • Table 32 Debit Cards: Number of Cards by Operator 2015-2019
  • Table 33 Debit Cards Payment Transaction Value by Issuer 2015-2019
  • Table 34 Debit Cards Payment Transaction Value by Operator 2015-2019
  • Table 35 Forecast Debit Cards: Number of Cards in Circulation 2020-2025
  • Table 36 Forecast Debit Cards Transactions 2020-2025
  • Table 37 Forecast Debit Cards in Circulation: % Growth 2020-2025
  • Table 38 Forecast Debit Cards Transactions: % Growth 2020-2025

KEY DATA FINDINGS

2020 IMPACT

Saving habits of the French during times of crisis negatively impact usage of credit cards, with the pandemic and lockdown resulting in declines across the category

Distrust amongst local consumers towards credit cards restricts further potential to attract new users

Mastercard and Visa continue to gain ground through partnerships with major retailers but Groupement des Cartes Bancaires remains dominate operator

RECOVERY AND OPPORTUNITIES

Slow recovery predicted for credit cards but transaction value unlikely to reach pre-pandemic levels by the end of the forecast period

Greater switch away from revolving credit may emerge over forecast period

Disruptive online-only players could offer further competition over the forecast period

CATEGORY DATA

  • Table 39 Credit Cards: Number of Cards in Circulation 2015-2020
  • Table 40 Credit Cards Transactions 2015-2020
  • Table 41 Credit Cards in Circulation: % Growth 2015-2020
  • Table 42 Credit Cards Transactions: % Growth 2015-2020
  • Table 43 Personal Credit Cards: Number of Cards in Circulation 2015-2020
  • Table 44 Personal Credit Cards Transactions 2015-2020
  • Table 45 Personal Credit Cards in Circulation: % Growth 2015-2020
  • Table 46 Personal Credit Cards Transactions: % Growth 2015-2020
  • Table 47 Credit Cards: Number of Cards by Issuer 2015-2019
  • Table 48 Credit Cards: Number of Cards by Operator 2015-2019
  • Table 49 Credit Cards Payment Transaction Value by Issuer 2015-2019
  • Table 50 Credit Cards Payment Transaction Value by Operator 2015-2019
  • Table 51 Personal Credit Cards: Number of Cards by Issuer 2015-2019
  • Table 52 Personal Credit Cards: Number of Cards by Operator 2015-2019
  • Table 53 Personal Credit Cards Payment Transaction Value by Issuer 2015-2019
  • Table 54 Personal Credit Cards Payment Transaction Value by Operator 2015-2019
  • Table 55 Forecast Credit Cards: Number of Cards in Circulation 2020-2025
  • Table 56 Forecast Credit Cards Transactions 2020-2025
  • Table 57 Forecast Credit Cards in Circulation: % Growth 2020-2025
  • Table 58 Forecast Credit Cards Transactions: % Growth 2020-2025
  • Table 59 Forecast Personal Credit Cards: Number of Cards in Circulation 2020-2025
  • Table 60 Forecast Personal Credit Cards Transactions 2020-2025
  • Table 61 Forecast Personal Credit Cards in Circulation: % Growth 2020-2025
  • Table 62 Forecast Personal Credit Cards Transactions: % Growth 2020-2025

KEY DATA FINDINGS

2020 IMPACT

Commercial charge cards hit hardest by pandemic and restricted travel linked to business activity

Personal charge cards sees ongoing usage in 2020 but average spend per transaction declines

Groupement des Cartes Bancaires remains dominant operator of charge cards in France but competitors are gaining acceptance amongst rising number of merchants

RECOVERY AND OPPORTUNITIES

Despite positive outlook, commercial charge cards unlikely to recover to pre-pandemic levels in terms of value due to short-term reluctance to travel for business

Recovery for personal charge cards but average spend per transaction set to continue declining over forecast period

Players offering commercial charge cards linked to travel likely to struggle into 2021

CATEGORY DATA

  • Table 63 Charge Cards: Number of Cards in Circulation 2015-2020
  • Table 64 Charge Cards Transactions 2015-2020
  • Table 65 Charge Cards in Circulation: % Growth 2015-2020
  • Table 66 Charge Cards Transactions: % Growth 2015-2020
  • Table 67 Commercial Charge Cards: Number of Cards in Circulation 2015-2020
  • Table 68 Commercial Charge Cards Transactions 2015-2020
  • Table 69 Commercial Charge Cards in Circulation: % Growth 2015-2020
  • Table 70 Commercial Charge Cards Transactions: % Growth 2015-2020
  • Table 71 Personal Charge Cards: Number of Cards in Circulation 2015-2020
  • Table 72 Personal Charge Cards Transactions 2015-2020
  • Table 73 Personal Charge Cards in Circulation: % Growth 2015-2020
  • Table 74 Personal Charge Cards Transactions: % Growth 2015-2020
  • Table 75 Charge Cards: Number of Cards by Issuer 2015-2019
  • Table 76 Charge Cards: Number of Cards by Operator 2015-2019
  • Table 77 Charge Cards Payment Transaction Value by Issuer 2015-2019
  • Table 78 Charge Cards Payment Transaction Value by Operator 2015-2019
  • Table 79 Commercial Charge Cards: Number of Cards by Issuer 2015-2019
  • Table 80 Commercial Charge Cards: Number of Cards by Operator 2015-2019
  • Table 81 Commercial Charge Cards Payment Transaction Value by Issuer 2015-2019
  • Table 82 Commercial Charge Cards Payment Transaction Value by Operator 2015-2019
  • Table 83 Personal Charge Cards: Number of Cards by Issuer 2015-2019
  • Table 84 Personal Charge Cards: Number of Cards by Operator 2015-2019
  • Table 85 Personal Charge Cards Transaction Value by Issuer 2015-2019
  • Table 86 Personal Charge Cards Transaction Value by Operator 2015-2019
  • Table 87 Forecast Charge Cards: Number of Cards in Circulation 2020-2025
  • Table 88 Forecast Charge Cards Transactions 2020-2025
  • Table 89 Forecast Charge Cards in Circulation: % Growth 2020-2025
  • Table 90 Forecast Charge Cards Transactions: % Growth 2020-2025
  • Table 91 Forecast Commercial Charge Cards: Number of Cards in Circulation 2020-2025
  • Table 92 Forecast Commercial Charge Cards Transactions 2020-2025
  • Table 93 Forecast Commercial Charge Cards in Circulation: % Growth 2020-2025
  • Table 94 Forecast Commercial Charge Cards Transactions: % Growth 2020-2025
  • Table 95 Forecast Personal Charge Cards: Number of Cards in Circulation 2020-2025
  • Table 96 Forecast Personal Charge Cards Transactions 2020-2025
  • Table 97 Forecast Personal Charge Cards in Circulation: % Growth 2020-2025
  • Table 98 Forecast Personal Charge Cards Transactions: % Growth 2020-2025

KEY DATA FINDINGS

2020 IMPACT

Significant decline noted for pre-paid cards during lockdown but open loop had already been losing popularity prior to pandemic

Dominant closed loop influences overall category performance in 2020

Making notable gains in 2019, Edenred, like many other issuers, is likely to be impacted by pandemic with reduced demand for gift and meal vouchers

RECOVERY AND OPPORTUNITIES

Recovery predicted for pre-paid cards, driven by closed loop but average spend per transaction will remain lower than pre-pandemic

Despite increasing adoption by merchants and tech-savvy consumers, digital payment solutions for transport and meal vouchers will lag due to preference for physical cards

While gift cards is likely to see slow recovery, demand for open loop pre-paid cards is predicted to further decline

CATEGORY DATA

  • Table 99 Pre-paid Cards: Number of Cards in Circulation 2015-2020
  • Table 100 Pre-paid Cards Transactions 2015-2020
  • Table 101 Pre-paid Cards in Circulation: % Growth 2015-2020
  • Table 102 Pre-paid Cards Transactions: % Growth 2015-2020
  • Table 103 Closed Loop Pre-paid Cards Transactions 2015-2020
  • Table 104 Closed Loop Pre-paid Cards Transactions: % Growth 2015-2020
  • Table 105 Open Loop Pre-paid Cards Transactions 2015-2020
  • Table 106 Open Loop Pre-paid Cards Transactions: % Growth 2015-2020
  • Table 107 Pre-paid Cards: Number of Cards by Issuer 2015-2019
  • Table 108 Pre-paid Cards: Number of Cards by Operator 2015-2019
  • Table 109 Pre-paid Cards Transaction Value by Issuer 2015-2019
  • Table 110 Pre-paid Cards Transaction Value by Operator 2015-2019
  • Table 111 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2015-2019
  • Table 112 Closed Loop Pre-paid Cards: Number of Cards by Operator 2015-2019
  • Table 113 Closed Loop Pre-paid Cards Transaction Value by Issuer 2015-2019
  • Table 114 Closed Loop Pre-paid Cards Transaction Value by Operator 2015-2019
  • Table 115 Open Loop Pre-paid Cards: Number of Cards by Issuer 2015-2019
  • Table 116 Open Loop Pre-paid Cards: Number of Cards by Operator 2015-2019
  • Table 117 Open Loop Pre-paid Cards Transaction Value by Issuer 2015-2019
  • Table 118 Open Loop Pre-paid Cards Transaction Value by Operator 2015-2019
  • Table 119 Forecast Pre-paid Cards: Number of Cards in Circulation 2020-2025
  • Table 120 Forecast Pre-paid Cards Transactions 2020-2025
  • Table 121 Forecast Pre-paid Cards in Circulation: % Growth 2020-2025
  • Table 122 Forecast Pre-paid Cards Transactions: % Growth 2020-2025
  • Table 123 Forecast Closed Loop Pre-paid Cards Transactions 2020-2025
  • Table 124 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
  • Table 125 Forecast Open Loop Pre-paid Cards Transactions 2020-2025
  • Table 126 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2020-2025

KEY DATA FINDINGS

2020 IMPACT

Waning interest in store cards prior to emergence of pandemic due to increasing preference for co-branded credit cards

Lockdown reduces opportunity to use store cards in non-essential retailers, exacerbating decline of the category in 2020

Fairly consolidated competitive landscape with share gains for Credit Agricole prior to emergence of pandemic

RECOVERY AND OPPORTUNITIES

Ongoing declines for store cards as the French display greater levels of selectiveness in terms of payment options

Greater focus on shifting consumers' attention towards co-branded credit cards

Potential to further explore possibilities of store cards linked to digital wallets

CATEGORY DATA

  • Table 127 Store Cards: Number of Cards in Circulation 2015-2020
  • Table 128 Store Cards Transactions 2015-2020
  • Table 129 Store Cards in Circulation: % Growth 2015-2020
  • Table 130 Store Cards Transactions: % Growth 2015-2020
  • Table 131 Store Cards: Number of Cards by Issuer 2015-2019
  • Table 132 Store Cards: Payment Transaction Value by Issuer 2015-2019
  • Table 133 Forecast Store Cards: Number of Cards in Circulation 2020-2025
  • Table 134 Forecast Store Cards Transactions 2020-2025
  • Table 135 Forecast Store Cards in Circulation: % Growth 2020-2025
  • Table 136 Forecast Store Cards Transactions: % Growth 2020-2025