European Payment Cards Yearbook

France - Summary

 

Price: £100.00
Purchase France Profile

Market Overview

  
Payment Organization Groupement des Cartes Bancaires ÒCBÓ
   
Domestic Card Brand ÒCBÓ is the domestic bank card brand and system.
   
Market Structure

Most bank cards are debit and delayed debit cards co-badged with ÒCBÓ and with an international brand.

Issuing and acquiring is by individual banks.

Card use is high, with more than four times as many ÒCBÓ payments as cash withdrawals. There were 118 payments per ÒCBÓ card in 2010.

Credit cards are mainly co-branded private label cards issued by companies such as Cetelem, LaSer Cofinoga and Sofinco, all of which are now largely bank-controlled.

   
Major Issuers CrŽdit Agricole Group, BPCE, BNP Paribas Group, SociŽtŽ GŽnŽrale Group and CrŽdit Mutuel-CIC.
   
Major Acquirers CrŽdit Mutuel-CIC, CrŽdit Agricole Group, BPCE Group, BNP Paribas Group and SociŽtŽ GŽnŽrale Group.
   
Consumer Finance The market is tightly-regulated, with usury ceilings on consumer loans. Total outstanding credit was Û151.7bn at end-2010, 1.7% higher than at end 2009, with personal loans accounting for over half.
   

Key Statistics 2010

  
Population 64.848 million
Cards Cards with debit function: 71.1 million
Cards with delayed debit function: 24.3 million
Cards with credit function: 31.6 million
Cards with e-money function: 37.3 million
Private label cards: 24.4 million
Total Cards: 101.3 million, irrespective of functions on card
(of which 59.8 million ÒCBÓ cards)

 

 

 

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