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市场调查报告书

法国金融卡和支付市场

Financial Cards and Payments in France

出版商 Euromonitor International 商品编码 972844
出版日期 内容资讯 英文 68 Pages
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价格
法国金融卡和支付市场 Financial Cards and Payments in France
出版日期: 2020年11月19日内容资讯: 英文 68 Pages
简介

在法国,2020年,新的冠状病毒感染(COVID-19)的出现以及3月份为防止其传播而采取的封锁措施将对分发的卡数量和已支付的总金额产生重大的负面影响。是的同时,由于对价格敏感的消费者(尤其是服务业,例如旅游业和餐饮业的消费者)的增加和可支配收入的下降,由于消费支出的减少,整个金融卡和支付行业已经变得庞大。我受到了重创。

该报告分析了法国的ATM卡,智能卡,信用卡,借记卡,签账卡,预付卡,商店卡以及各种金融卡的市场规模,结构以及各种付款方式。市场规模的趋势和前景(未来五年,发行数量,交易数量/金额),按领域,市场竞争结构,主要公司(发行公司,运营商)的概况和表现的详细趋势,未来市场增长/我们将收集和交付信息,例如业务发展方向。

目录

法国金融卡和支付市场:行业概述

  • 执行摘要
    • COVID-19对消费者付款的影响
    • COVID-19的国内影响
    • 限制因应对流行病而采购的非接触式智能卡的支出,同时政府协助因封锁而受苦的公司和员工
    • 大流行期间银行的创新能力有限,但通过移动电子商务和金融卡增加了在线支付
    • 万事达卡和Visa正在通过战略合作伙伴关系,努力从其主要运营商Groupement des Cartes Bancaires获得市场份额。
    • 消费者支付市场的下一步是什么?
  • 市场指标
  • 市场数据
  • 免责声明
  • 全球宏觀经济环境
  • 全球工业环境
  • 数据源

法国借记卡市场:按类别分析

  • 市场数据:摘要
  • 对市场的影响(2020年)
    • 由于最初的恐慌和感染威胁,从现金到借记卡的转移仍在进行中,但每笔交易的平均支出正在下降。
    • 非接触式智能卡:根据世界卫生组织的建议,增加了市场份额并提高了付款限额
    • 市场份额:尽管在线公司子公司的份额有所增加,而万事达卡和Visa的份额略有增加,但Cartes Bancaires的市场主导地位保持不变。
  • 市场复苏与机遇
    • 尽管流通中的个人借记卡数量继续减少,但小额支付的频率却增加了,支付数量超过了感染蔓延之前的水平。
    • 物理和在线支付的增强安全性:许多公司的关注
    • 竞争激烈的在线出版商有望赢得更多客户
  • 类别数据

法国信用卡市场:按类别分析

  • 市场数据:摘要
  • 对市场的影响(2020年)
    • 在危机时期保留法国人的习惯会对信用卡的使用产生不利影响,而感染和城市封锁的蔓延导致整个类别的下降。
    • 国内消费者不信任信用卡:限制吸引新用户的可能性
    • 万事达卡(Mastercard)和Visa(Visa)与主要零售商合作,扩大了市场份额–笛卡尔银行集团(Bankement des Cartes Bancaires)的倡议始终如一
  • 市场复苏与机遇
    • 信用卡市场恢复前景:在预测期内不太可能达到预分配水平
    • 可能发生从周转付款的更大转变
    • 创新的在线专家:在预测期内可能会提供更多竞争
  • 类别数据

法国签帐卡市场:按类别分析

  • 市场数据:摘要
  • 对市场的影响(2020年)
    • 商业签帐卡:受感染蔓延和商务旅行限制最严重
    • 个人签帐卡:将在2020年继续使用,但每笔交易的平均支出将减少
    • 笛卡尔集团继续占领市场,但更多的商人接受竞争对手
  • 市场复苏与机遇
    • 商业收费卡:总体前景乐觀,但短期商务旅行受到限制,因此市场不太可能恢复到危机前的市场规模。
    • 个人签帐卡:整体市场情况正在恢复,但每笔交易的平均支出预计将继续下降
    • 与旅行相关的商业收费卡供应商:可能在2021年挣扎
  • 类别数据

法国预付卡市场:按类别分析

  • 市场数据:摘要
  • 对市场的影响(2020年)
    • 尽管在锁定期间总体比例会缩小,但是在此之前开环公式已经不受欢迎
    • 闭环类型具有优势,并且会影响整个类别的性能
    • Edenred:尽管它将在2019年实现显著增长,但由于COVID-19的影响与其他公司相同,预计对礼券和餐券的需求将减少。
  • 市场复苏与机遇
    • 以闭环为主导的市场复苏,但每笔交易的平均支出仍低于危机前
    • 用于交通和晚餐的数字支付解决方案:尽管会员店和面向技术的用户的引进正在不断发展,但是由于实体卡的普及,其普及速度很慢。
    • 礼品卡恢复缓慢,预计开环预付卡的需求将进一步下降
  • 类别数据

法国商店卡市场:按类别分析

  • 市场数据:摘要
  • 对市场的影响(2020年)
    • 由于联名信用卡的日益普及,自从感染蔓延之前,对存储卡的兴趣就下降了。
    • 锁定减少了在不必要和不紧急的零售店使用存储卡的机会,从而进一步恶化了市场状况
    • 行业重组和公司整合方面的进展:农业信贷银行在危机爆发前扩大了市场份额
  • 市场复苏与机遇
    • 由于法国人倾向于增加支付选项,因此商店卡市场持续萎缩
    • 专注于将消费者的注意力转移到联名信用卡上
    • 进一步探索将存储卡链接到数字钱包的可能性
  • 类别数据
目录
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