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프랑스의 금융 카드 및 결제 시장

Financial Cards and Payments in France

리서치사 Euromonitor International
발행일 2021년 11월 상품 코드 972844
페이지 정보 영문 64 Pages
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US $ 2,100 ₩ 2,525,000 PDF (Single User License)


프랑스의 금융 카드 및 결제 시장 Financial Cards and Payments in France
발행일 : 2021년 11월 페이지 정보 : 영문 64 Pages

본 상품은 영문 자료로 한글과 영문목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

프랑스에서는 2020년에 들어 신종 코로나바이러스 감염증(COVID-19) 출현과 만연 방지를 위해 3월에 도입된 봉쇄 조치에 의해 카드 유통 매수와 지불 총액에 큰 악영향이 발생했습니다. 동시에 가격에 민감한 소비자(특히 관광이나 외식 산업 등의 서비스 산업 소비자) 상승과 가처분 소득 감소에 의해 소비지출액이 축소되면서 금융 카드 및 결제 업계는 전체적으로 거대한 타격을 받고 있습니다.

프랑스의 각종 금융 카드 및 결제 수단(ATM 카드, 스마트 카드, 신용카드, 체크카드, 차지카드, 선불카드, 스토어 카드) 시장 규모 및 구조에 대해 분석했으며, 전체적인 시장 규모(향후 5년간, 발행 매수, 거래 건수·금액) 추정과 전망, 분야별 상세 동향, 시장 경쟁 구조, 주요 기업(발행 기업, 오퍼레이터) 개요와 실적, 향후 시장 성장·사업 추진 방향성 등의 정보를 정리하여 전해드립니다.

목차

프랑스의 금융 카드 및 결제 시장 : 업계의 상황 개요

  • 주요 요약
    • 소비자 결제에 대한 COVID-19의 영향
    • COVID-19의 국내에 대한 영향
    • 정부가 봉쇄 결과로 고심하는 기업과 직원을 지원하는 동안 팬데믹에 대응해 조달된 비접촉형 스마트 카드에 의한 지출 제한
    • 팬데믹 동안 은행으로부터 한정된 혁신이지만, 모바일 M-Commerce와 금융 카드에 의한 온라인 결제가 증가
    • Mastercard와 Visa는 전략적 파트너십을 통해 지배적인 오퍼레이터인 Groupement des CartesBancaires로부터 점유율을 취득하기 위해 노력
    • 소비자 결제 시장 다음에 무엇이 일어나는가?
  • 시장 지표
  • 시장 데이터
  • 면책사항
  • 세계의 거시경제 환경
  • 세계의 산업 환경
  • 데이터 소스

프랑스의 체크카드 시장 : 카테고리별 분석

  • 시장 데이터 : 개요
  • 시장에 대한 영향(2020년)
    • 당초의 패닉과 감염에 대한 위협에 의해 현금으로부터 체크카드로의 이용 이동은 진전되지만, 거래 1건당 평균 지출액은 감소 경향
    • 비접촉형 스마트 카드 : WHO 조언을 받은 점유율 확대, 지불 상한액도 인상
    • 시장 점유율 : 온라인 기업 자회사의 점유율이 확대하고, Mastercard와 Visa도 소폭 성장하지만, Cartes Bancaires의 시장 지배는 변함없어
  • 시장 회복과 기회
    • 개인용 체크카드 유통 매수는 계속 감소하지만 소액 결제 빈도가 상승하고, 결제 건수는 감염 확대전 수준을 초과
    • 물리적 결제·온라인 결제 쌍방에서의 보안 강화 : 많은 기업의 관심사항
    • 경쟁력 높은 온라인 발행 기업이 보다 많은 고객을 취득할 전망
  • 카테고리별 데이터

프랑스의 신용카드 시장 : 카테고리별 분석

  • 시장 데이터 : 개요
  • 시장에 대한 영향(2020년)
    • 위기 시기에 프랑스인의 습관을 유지하는 것은 신용카드 사용에 악영향을 미치고, 감염 확대와 도시 봉쇄가 카테고리 전체 감소로 이어진다
    • 신용카드에 대한 국내 소비자의 불신감 : 신규 사용자 흡인 가능성의 제약
    • Mastercard와 Visa가 주요 소매업체와의 제휴로 점유율을 확대 - Groupement des Cartes Bancaires의 주도권은 흔들리지 않아
  • 시장 회복과 기회
    • 신용카드 시장 회복 전망 : 예측기간 중 감염 확대전 수준에 이를 가능성은 낮다
    • 리볼빙 지불로부터 보다 큰 전환이 생길 가능성
    • 혁신적인 온라인 전업 업체 : 예측기간 중 새로운 경쟁을 제공할 가능성이 있어
  • 카테고리별 데이터

프랑스의 차지카드 시장 : 카테고리별 분석

  • 시장 데이터 : 개요
  • 시장에 대한 영향(2020년)
    • 상용 차지카드 : 감염 확대나 비지니스 여행 제한에 의해 가장 큰 타격을 받는다
    • 개인용 차지카드 : 2020년에도 지속적으로 사용되지만 거래 1건당 평균 지출은 감소
    • Groupement des Cartes Bancaires가 시장을 계속해서 지배하지만, 경쟁사를 수용하는 가맹점도 증가
  • 시장 회복과 기회
    • 업무용 차지카드 : 전체적인 경기 전망은 밝지만 단기 출장이 억제되고 있기 때문에 위기 이전 시장 규모로 돌아올 가능성은 낮다
    • 개인 차지카드 : 전체적인 시장 상황은 회복하지만 거래 1건당 평균 지출은 계속 감소할 전망
    • 여행 링크형 상용 차지카드 업체 : 2021년에 고전할 가능성이 있다
  • 카테고리별 데이터

프랑스의 선불카드 시장 : 카테고리별 분석

  • 시장 데이터 : 개요
  • 시장에 대한 영향(2020년)
    • 락다운 동안 전체적 규모가 축소하지만, 오픈 루프식은 그 전에 이미 인기를 잃는다
    • 클로즈드 루프식이 우위에 서고, 카테고리 전체의 실적에 영향을 미친다
    • Edenred : 2019년에 비약적 성장을 이루지만 COVID-19의 영향을 타사와 같이 받고, 상품권·식사권 수요가 감소할 전망
  • 시장 회복과 기회
    • 클로즈드 루프 주도형으로 시장 상황은 회복되지만, 거래 1건당 평균 지출은 위기 이전보다 낮아
    • 교통기관·회식용 디지털 결제 솔루션 : 가맹점이나 기술 지향 이용자의 도입이 진행되지만, 물리적 카드의 인기로 보급이 지연되고 진행되지 않아
    • 기프트카드 회복은 늦고, 오픈 루프·선불카드 수요는 더욱 감소할 전망
  • 카테고리별 데이터

프랑스의 스토어 카드 시장 : 카테고리별 분석

  • 시장 데이터 : 개요
  • 시장에 대한 영향(2020년)
    • 공동 브랜드·신용카드 인기 확대로 감염 확대 전보다 스토어 카드에 대한 관심이 저하
    • 락다운에 의해 불요불급 소매점에서 스토어 카드를 사용할 기회가 줄어 들어 시장 상황은 더욱 악화
    • 업계 재편·기업 통합 진전 : Credit Agricole이 위기 이전에 점유율을 확대
  • 시장 회복과 기회
    • 프랑스인이 결제 옵션 선택사항을 늘리는 경향을 보이고 있기 때문에 스토어 카드 시장은 지속적으로 축소
    • 공동 브랜드·신용카드에 소비자의 주의를 이동하는데 주력
    • 디지털 지갑에 링크된 스토어 카드 가능성의 추가적 추구
  • 카테고리별 데이터
KSM 20.12.09

Despite the ongoing presence of the pandemic, financial cards and payments performed well in 2021. This all came despite a third lockdown in the winter and more disruption during the year due to mixed success in vaccination rollout in the spring and summer. Both value sales but especially transactions experienced strong recovery in 2021 over the previous year due to more frequent transactions (a sign of the continuous explosion of contactless payments. This followed on from a double-digit declin...

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

  • Financial cards and payments in 2021: The big picture
  • 2021 key trends
  • Improving macroeconomic factors both associated with and separate from COVID-19
  • Technological and digital developments include growth in contactless payment, switches to dematerialised pre-paid cards, invisible migration within pre-paid cards and limited growth of mobile e-commerce
  • Cartes Bancaires holds lead over Mastercard and Visa in terms of dynamic issuers while battle rages in luncheon voucher pre-paid cards
  • What next for financial cards and payments?

MARKET INDICATORS

  • Table 1 Number of POS Terminals: Units 2016-2021
  • Table 2 Number of ATMs: Units 2016-2021
  • Table 3 Value Lost to Fraud 2016-2021
  • Table 4 Card Expenditure by Location 2021
  • Table 5 Financial Cards in Circulation by Type: % Number of Cards 2016-2021
  • Table 6 Domestic versus Foreign Spend 2021

MARKET DATA

  • Table 7 Financial Cards by Category: Number of Cards in Circulation 2016-2021
  • Table 8 Financial Cards by Category: Number of Accounts 2016-2021
  • Table 9 Financial Cards Transactions by Category: Value 2016-2021
  • Table 10 Financial Cards by Category: Number of Transactions 2016-2021
  • Table 11 Consumer Payments by Category: Value 2016-2021
  • Table 12 Consumer Payments by Category: Number of Transactions 2016-2021
  • Table 13 M-Commerce by Category: Value 2016-2021
  • Table 14 M-Commerce by Category: % Value Growth 2016-2021
  • Table 15 Financial Cards: Number of Cards by Issuer 2016-2020
  • Table 16 Financial Cards: Number of Cards by Operator 2016-2020
  • Table 17 Financial Cards: Card Payment Transactions Value by Operator 2016-2020
  • Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2016-2020
  • Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2021-2026
  • Table 20 Forecast Financial Cards by Category: Number of Accounts 2021-2026
  • Table 21 Forecast Financial Cards Transactions by Category: Value 2021-2026
  • Table 22 Forecast Financial Cards by Category: Number of Transactions 2021-2026
  • Table 23 Forecast Consumer Payments by Category: Value 2021-2026
  • Table 24 Forecast Consumer Payments by Category: Number of Transactions 2021-2026
  • Table 25 Forecast M-Commerce by Category: Value 2021-2026
  • Table 26 Forecast M-Commerce by Category: % Value Growth 2021-2026

DISCLAIMER

SOURCES

    • Summary 1 Research Sources

DEBIT CARDS IN FRANCE

KEY DATA FINDINGS

2021 DEVELOPMENTS

  • Ongoing increase in the number of debit cards in 2021 and recovery of value per transaction despite weak recovery of commercial debit cards
  • Surge in distance payments especially contactless payment following advice from the World Health Organization
  • Groupe Credit Mutuel and Groupe BNP Paribas are more resilient than other issuers while CB is back in business

PROSPECTS AND OPPORTUNITIES

  • Despite rapid resumption in the decline in the number of cards slow return to normal in value sales which are only set to surpass pre-pandemic levels after 2026
  • Clear advantage for online and virtual payments as well as online brands and banks
  • Strengthening security in terms of both physical and online payments and maintaining free services pose considerable challenges for banks and debit cards

CATEGORY DATA

  • Table 27 Debit Cards: Number of Cards in Circulation 2016-2021
  • Table 28 Debit Cards Transactions 2016-2021
  • Table 29 Debit Cards in Circulation: % Growth 2016-2021
  • Table 30 Debit Cards Transactions: % Growth 2016-2021
  • Table 31 Debit Cards: Number of Cards by Issuer 2016-2020
  • Table 32 Debit Cards: Number of Cards by Operator 2016-2020
  • Table 33 Debit Cards Payment Transaction Value by Issuer 2016-2020
  • Table 34 Debit Cards Payment Transaction Value by Operator 2016-2020
  • Table 35 Forecast Debit Cards: Number of Cards in Circulation 2021-2026
  • Table 36 Forecast Debit Cards Transactions 2021-2026
  • Table 37 Forecast Debit Cards in Circulation: % Growth 2021-2026
  • Table 38 Forecast Debit Cards Transactions: % Growth 2021-2026

CREDIT CARDS IN FRANCE

KEY DATA FINDINGS

2021 DEVELOPMENTS

  • First signs of recovery for credit cards thanks to attenuated restrictions and the recovery of consumption in non-grocery retailing
  • Traditional distrust about credit, skyrocketing debt consolidation and national tendency to save rather than borrow during a crisis limits the number of credit cards
  • Battle rages between BPCE and BNP in issuers while Groupement des Cartes Bancaires in operators does not enjoy the same improvement as it has in debit cards

PROSPECTS AND OPPORTUNITIES

  • Despite a progressive recovery in percentage terms, credit cards unlikely to reach pre-pandemic levels before 2026 other than in the number of transactions
  • Astonishing breakthrough likely of both existing and new online players which are revolutionising debit cards
  • More traditional personal credit cards and dual charge cards come at the expense of revolving credit

CATEGORY DATA

  • Table 39 Credit Cards: Number of Cards in Circulation 2016-2021
  • Table 40 Credit Cards Transactions 2016-2021
  • Table 41 Credit Cards in Circulation: % Growth 2016-2021
  • Table 42 Credit Cards Transactions: % Growth 2016-2021
  • Table 43 Personal Credit Cards: Number of Cards in Circulation 2016-2021
  • Table 44 Personal Credit Cards Transactions 2016-2021
  • Table 45 Personal Credit Cards in Circulation: % Growth 2016-2021
  • Table 46 Personal Credit Cards Transactions: % Growth 2016-2021
  • Table 47 Credit Cards: Number of Cards by Issuer 2016-2020
  • Table 48 Credit Cards: Number of Cards by Operator 2016-2020
  • Table 49 Credit Cards Payment Transaction Value by Issuer 2016-2020
  • Table 50 Credit Cards Payment Transaction Value by Operator 2016-2020
  • Table 51 Personal Credit Cards: Number of Cards by Issuer 2016-2020
  • Table 52 Personal Credit Cards: Number of Cards by Operator 2016-2020
  • Table 53 Personal Credit Cards Payment Transaction Value by Issuer 2016-2020
  • Table 54 Personal Credit Cards Payment Transaction Value by Operator 2016-2020
  • Table 55 Forecast Credit Cards: Number of Cards in Circulation 2021-2026
  • Table 56 Forecast Credit Cards Transactions 2021-2026
  • Table 57 Forecast Credit Cards in Circulation: % Growth 2021-2026
  • Table 58 Forecast Credit Cards Transactions: % Growth 2021-2026
  • Table 59 Forecast Personal Credit Cards: Number of Cards in Circulation 2021-2026
  • Table 60 Forecast Personal Credit Cards Transactions 2021-2026
  • Table 61 Forecast Personal Credit Cards in Circulation: % Growth 2021-2026
  • Table 62 Forecast Personal Credit Cards Transactions: % Growth 2021-2026

CHARGE CARDS IN FRANCE

KEY DATA FINDINGS

2021 DEVELOPMENTS

  • Promising improvement for personal charge cards under the impetus given by issuers and opportunities relative to the pandemic
  • Limited recovery of business travel and expenses ruins the hopes of commercial charge card players
  • Groupement des Cartes Bancaires maintains its outright leadership within operators over Visa, Mastercard but especially American Express

PROSPECTS AND OPPORTUNITIES

  • No special concerns over personal charge cards despite an ongoing decline in average spend per transaction over the forecast period
  • No hopes for immediate full recovery of commercial charge cards due to grey outlook of business travel and expenses
  • No ceiling interchange fees threatens progress of commercial charge cards

CATEGORY DATA

  • Table 63 Charge Cards: Number of Cards in Circulation 2016-2021
  • Table 64 Charge Cards Transactions 2016-2021
  • Table 65 Charge Cards in Circulation: % Growth 2016-2021
  • Table 66 Charge Cards Transactions: % Growth 2016-2021
  • Table 67 Commercial Charge Cards: Number of Cards in Circulation 2016-2021
  • Table 68 Commercial Charge Cards Transactions 2016-2021
  • Table 69 Commercial Charge Cards in Circulation: % Growth 2016-2021
  • Table 70 Commercial Charge Cards Transactions: % Growth 2016-2021
  • Table 71 Personal Charge Cards: Number of Cards in Circulation 2016-2021
  • Table 72 Personal Charge Cards Transactions 2016-2021
  • Table 73 Personal Charge Cards in Circulation: % Growth 2016-2021
  • Table 74 Personal Charge Cards Transactions: % Growth 2016-2021
  • Table 75 Charge Cards: Number of Cards by Issuer 2016-2020
  • Table 76 Charge Cards: Number of Cards by Operator 2016-2020
  • Table 77 Charge Cards Payment Transaction Value by Issuer 2016-2020
  • Table 78 Charge Cards Payment Transaction Value by Operator 2016-2020
  • Table 79 Commercial Charge Cards: Number of Cards by Issuer 2016-2020
  • Table 80 Commercial Charge Cards: Number of Cards by Operator 2016-2020
  • Table 81 Commercial Charge Cards Payment Transaction Value by Issuer 2016-2020
  • Table 82 Commercial Charge Cards Payment Transaction Value by Operator 2016-2020
  • Table 83 Personal Charge Cards: Number of Cards by Issuer 2016-2020
  • Table 84 Personal Charge Cards: Number of Cards by Operator 2016-2020
  • Table 85 Personal Charge Cards Transaction Value by Issuer 2016-2020
  • Table 86 Personal Charge Cards Transaction Value by Operator 2016-2020
  • Table 87 Forecast Charge Cards: Number of Cards in Circulation 2021-2026
  • Table 88 Forecast Charge Cards Transactions 2021-2026
  • Table 89 Forecast Charge Cards in Circulation: % Growth 2021-2026
  • Table 90 Forecast Charge Cards Transactions: % Growth 2021-2026
  • Table 91 Forecast Commercial Charge Cards: Number of Cards in Circulation 2021-2026
  • Table 92 Forecast Commercial Charge Cards Transactions 2021-2026
  • Table 93 Forecast Commercial Charge Cards in Circulation: % Growth 2021-2026
  • Table 94 Forecast Commercial Charge Cards Transactions: % Growth 2021-2026
  • Table 95 Forecast Personal Charge Cards: Number of Cards in Circulation 2021-2026
  • Table 96 Forecast Personal Charge Cards Transactions 2021-2026
  • Table 97 Forecast Personal Charge Cards in Circulation: % Growth 2021-2026
  • Table 98 Forecast Personal Charge Cards Transactions: % Growth 2021-2026

PRE-PAID CARDS IN FRANCE

KEY DATA FINDINGS

2021 DEVELOPMENTS

  • Mixed fortunes for closed loop pre-paid cards as gift cards skyrocket while transport cards plummet
  • Sudden acceleration in dematerialisation promotes open loop pre-paid cards
  • Significant losses for transport cards specialists, while gift cards players take off and battle ensues in luncheon voucher cards

PROSPECTS AND OPPORTUNITIES

  • In closed loop pre-paid cards, scope for growth for gift cards and probable recovery of transport/park site cards by 2023
  • Difficulties for open loop pre-paid cards to reach 100% of dematerialisation in luncheon vouchers
  • Visa and Mastercard look to gain a presence in pre-paid cards, particularly for transport

CATEGORY DATA

  • Table 99 Pre-paid Cards: Number of Cards in Circulation 2016-2021
  • Table 100 Pre-paid Cards Transactions 2016-2021
  • Table 101 Pre-paid Cards in Circulation: % Growth 2016-2021
  • Table 102 Pre-paid Cards Transactions: % Growth 2016-2021
  • Table 103 Closed Loop Pre-paid Cards Transactions 2016-2021
  • Table 104 Closed Loop Pre-paid Cards Transactions: % Growth 2016-2021
  • Table 105 Open Loop Pre-paid Cards Transactions 2016-2021
  • Table 106 Open Loop Pre-paid Cards Transactions: % Growth 2016-2021
  • Table 107 Pre-paid Cards: Number of Cards by Issuer 2016-2020
  • Table 108 Pre-paid Cards: Number of Cards by Operator 2016-2020
  • Table 109 Pre-paid Cards Transaction Value by Issuer 2016-2020
  • Table 110 Pre-paid Cards Transaction Value by Operator 2016-2020
  • Table 111 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2016-2020
  • Table 112 Closed Loop Pre-paid Cards: Number of Cards by Operator 2016-2020
  • Table 113 Closed Loop Pre-paid Cards Transaction Value by Issuer 2016-2020
  • Table 114 Closed Loop Pre-paid Cards Transaction Value by Operator 2016-2020
  • Table 115 Open Loop Pre-paid Cards: Number of Cards by Issuer 2016-2020
  • Table 116 Open Loop Pre-paid Cards: Number of Cards by Operator 2016-2020
  • Table 117 Open Loop Pre-paid Cards Transaction Value by Issuer 2016-2020
  • Table 118 Open Loop Pre-paid Cards Transaction Value by Operator 2016-2020
  • Table 119 Forecast Pre-paid Cards: Number of Cards in Circulation 2021-2026
  • Table 120 Forecast Pre-paid Cards Transactions 2021-2026
  • Table 121 Forecast Pre-paid Cards in Circulation: % Growth 2021-2026
  • Table 122 Forecast Pre-paid Cards Transactions: % Growth 2021-2026
  • Table 123 Forecast Closed Loop Pre-paid Cards Transactions 2021-2026
  • Table 124 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2021-2026
  • Table 125 Forecast Open Loop Pre-paid Cards Transactions 2021-2026
  • Table 126 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2021-2026

STORE CARDS IN FRANCE

KEY DATA FINDINGS

2021 DEVELOPMENTS

  • A loosening of COVID-19 restrictions in 2021 compared to the previous year and a growing role of e-store cards boosts store cards
  • Prior to the pandemic, store cards on a downward trend due to increasing preference for co-branded credit cards
  • Most players are negatively affected though a good performance for Fnac and other players

PROSPECTS AND OPPORTUNITIES

  • Despite help from e-cards, unavoidable decline for store cards depending on the associated retailer
  • Co-branded credit cards grow in popularity although problems remain in tracking consumer experience as facial recognition unpopular in France
  • More store cards linked to digital wallets

CATEGORY DATA

  • Table 127 Store Cards: Number of Cards in Circulation 2016-2021
  • Table 128 Store Cards Transactions 2016-2021
  • Table 129 Store Cards in Circulation: % Growth 2016-2021
  • Table 130 Store Cards Transactions: % Growth 2016-2021
  • Table 131 Store Cards: Number of Cards by Issuer 2016-2020
  • Table 132 Store Cards: Payment Transaction Value by Issuer 2016-2020
  • Table 133 Forecast Store Cards: Number of Cards in Circulation 2021-2026
  • Table 134 Forecast Store Cards Transactions 2021-2026
  • Table 135 Forecast Store Cards in Circulation: % Growth 2021-2026
  • Table 136 Forecast Store Cards Transactions: % Growth 2021-2026
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