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フランスの金融カード・決済市場

Financial Cards and Payments in France

出版日: | 発行: Euromonitor International | ページ情報: 英文 68 Pages | 納期: 即納可能 即納可能とは

価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=104.77円
フランスの金融カード・決済市場
出版日: 2020年11月19日
発行: Euromonitor International
ページ情報: 英文 68 Pages
納期: 即納可能 即納可能とは
  • 全表示
  • 概要
  • 目次
概要

フランスでは2020年に入り、新型コロナウイルス感染症 (COVID-19) 出現と、蔓延防止のために3月に導入された封鎖措置により、カードの流通枚数と支払総額に大きな悪影響が生じました。同時に、価格に敏感な消費者(特に観光や外食産業などのサービス産業の消費者)の上昇や可処分所得の減少によって、消費支出額が縮小したために、金融カード・決済業界は全体的に巨大な打撃を受けています。

当レポートでは、フランス国内の各種金融カード・決済手段 - ATMカード、スマートカード、クレジットカード、デビットカード、チャージカード、プリペイドカード、ストアカード - の市場規模および構造について分析し、全体的な市場規模 (今後5年間分、発行枚数、取引件数・金額) の推移や見通し、分野別の詳細動向、市場競争の構造、主要企業 (発行企業、オペレーター) のプロファイルと業績、今後の市場成長・事業展開の方向性、といった情報を取りまとめてお届けいたします。

目次

フランスの金融カード・決済市場:業界の概況

  • エグゼクティブサマリー
    • 消費者決済に対するCOVID-19の影響
    • COVID-19の国内への影響
    • 政府が封鎖の結果として苦しんでいる企業や従業員を支援する間、パンデミックに対応して調達された非接触型スマートカードによる支出の制限
    • パンデミック時の銀行からの限られたイノベーションだが、モバイルmコマースと金融カードによるオンライン決済が増加
    • MastercardとVisaは、戦略的パートナーシップを通じて、支配的なオペレーターであるGroupement des CartesBancairesからシェアを獲得するために多大な努力を払っています。
    • 消費者決済市場に次に何が起こるのか?
  • 市場指標
  • 市場データ
  • 免責事項
  • 世界のマクロ経済環境
  • 世界の産業環境
  • データソース

フランスのデビットカード市場:カテゴリー別分析

  • 市場データ:概略
  • 市場への影響 (2020年)
    • 当初のパニックと感染への脅威により、現金からデビットカードへの利用移行は進展するも、取引1件当たり平均支出額は低下傾向にある
    • 非接触型スマートカード:WHOの助言を受けたシェア拡大、支払上限額も引き上げ
    • 市場シェア:オンライン企業子会社のシェアが拡大し、MastercardとVisaも微増するも、Cartes Bancairesの市場支配は変わらず
  • 市場の回復と機会
    • 個人用デビットカードの流通枚数は減少し続けるも、少額決済の頻度が上昇し、決済件数は感染拡大前の水準を超過
    • 物理的決済・オンライン決済の双方でのセキュリティ強化:多くの企業の関心事項
    • 競争力の高いオンライン発行企業が、より多くの顧客を獲得する見通し
  • カテゴリー別データ

フランスのクレジットカード市場:カテゴリー別分析

  • 市場データ:概略
  • 市場への影響 (2020年)
    • 危機の時期にフランス人の習慣を保存することはクレジットカードの使用に悪影響を及ぼし、感染拡大と都市封鎖がカテゴリー全体の減少につながる
    • クレジットカードに対する国内消費者の不信感:新規ユーザーの吸引可能性への制約
    • MastercardとVisaが、主要小売業者との提携でシェアを拡大 - Groupement des Cartes Bancairesの主導権は揺るがず
  • 市場の回復と機会
    • クレジットカード市場の回復見通し:予測期間中に感染拡大前の水準に達する可能性は低い
    • リボ払いからのより大きな転換が生じる可能性
    • 革新的なオンライン専業業者:予測期間にわたってさらなる競合を提供する可能性があります
  • カテゴリー別データ

フランスのチャージカード市場:カテゴリー別分析

  • 市場データ:概略
  • 市場への影響 (2020年)
    • 商用チャージカード:感染拡大やビジネス旅行の制限によって最も大きな打撃を受ける
    • 個人用チャージカード:2020年も継続的に使用されるも、取引1件当たり平均支出は減少
    • Groupement des Cartes Bancairesが市場を引き続き支配するが、競合他社を受け入れる加盟店も増加
  • 市場の回復と機会
    • 業務用チャージカード:全体的な景気見通しは明るいが、短期出張が抑制されているため、危機以前の市場規模に戻る可能性は低い
    • 個人のチャージカード:全体的な市況は回復するも、取引1件当たり平均支出は減少し続ける見通し
    • 旅行リンク型商用チャージカード業者:2021年に苦戦する可能性があります
  • カテゴリー別データ

フランスのプリペイドカード市場:カテゴリー別分析

  • 市場データ:概略
  • 市場への影響 (2020年)
    • ロックダウン中に全体的規模が縮小するも、オープンループ式はその前に既に人気を失う
    • クローズドループ式が優位に立ち、カテゴリー全体の業績に影響を及ぼす
    • Edenred:2019年に飛躍的成長を遂げるも、COVID-19の影響を他社と同様に受け、ギフト券・食事券の需要が減少する見通し
  • 市場の回復と機会
    • クローズドループ主導形で市況は回復するも、取引1件当たり平均支出は危機以前より低いまま
    • 交通機関・会食用デジタル決済ソリューション:加盟店や技術指向利用者の導入が進むも、物理的カードの人気のため、普及は遅々として進まず
    • ギフトカードの回復は遅く、オープンループ・プリペイドカードの需要はさらに減少する見通し
  • カテゴリー別データ

フランスのストアカード市場:カテゴリー別分析

  • 市場データ:概略
  • 市場への影響 (2020年)
    • 共同ブランド・クレジットカードの人気拡大ため、感染拡大前よりストアカードへの関心が低下
    • ロックダウンにより不要不急の小売店でストアカードを使用する機会が減り、市況は更に悪化
    • 業界再編・企業統合の進展:Credit Agricoleが危機以前にシェアを拡大
  • 市場の回復と機会
    • フランス人が決済オプションの選択肢を増やす傾向を示しているため、ストアカード市場は継続的に縮小
    • 共同ブランド・クレジットカードに消費者の注意をシフトすることに注力
    • デジタルウォレットにリンクされたストアカードの可能性の更なる追求
  • カテゴリー別データ
目次
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
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