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Sector Analysis
NewFrance Cards and Payments – Opportunities and Risks to 2028
France Cards and Payments Market Report Overview The annual value of card transactions in the France cards and payments market was $857.59 billion in 2023. The French cards and payments industry is well developed. Multi-functional cards are a prominent feature of the French payment card market. The most common combination is debit and charge card facilities via a single payment card. Additionally, the growing adoption of contactless cards, the expansion of digital-only banks, the emergence of alternative payment solutions, and...
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Company Insights
BNP Paribas – Digital Transformation Strategies
BNP Paribas Digital Transformation Strategies Report Overview BNP Paribas is investing in AI, cloud, and other digital technologies to develop solutions that can help optimize its banking processes. The annual ICT spending of BNP Paribas was estimated at $2.3 billion for 2023. A major share of this spending is earmarked for acquiring software, network & communications, and hardware from vendors. BNP Paribas offers a range of retail, corporate, and institutional banking solutions. Its retail banking portfolio consists of digital banking,...
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Analyst Opinions
Europe Regional Retail Banking Analysis by Consumer Credit, Retail Deposits and Residential Mortgages
Europe Regional Retail Banking Report Overview The low interest rate environment in Europe has kept net interest margins low. However, monetary policy tightening will have likely put an end to this prolonged period, as banks will now be more able to create a spread between deposit and lending rates.  The European Central Bank’s (ECB) projections of the average annual inflation rate suggest that inflation will subside in 2023 but will remain above the 2% target rate until the second half...
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Company Profile
La Banque Postale – Company Profile
La Banque Postale (LBP), a subsidiary of Le Groupe La Poste, is a provider of banking and other financial solutions. It provides a range of accounts and deposit services, debit and credit cards, consumer and commercial loans, mortgages, factoring and leasing, project financing, treasury management, fund transfers, cash management, and other banking solutions. The bank offers investment products, advisory services, and life and non-life insurance solutions. The bank also offers retirement solutions, online brokerage, and Ma French Bank, a digital...
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Sector Analysis
France Retail Banking: Opportunities and Risks to 2023
France’s total loan balances outstanding (including credit card balances, personal loan balances, and residential mortgage balances outstanding) recorded a healthy compound annual growth rate (CAGR) of 4.4% during 2014-18 to reach €1,401.6bn ($1,605.6bn). The majority of France’s loan balances outstanding are from home loans, with residential mortgage balances outstanding accounting for 80.2% of total balances outstanding in 2018, followed by personal loans (19.4%) and credit cards (0.4%). Credit card usage is low among French consumers, but has picked up in...
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Sector Analysis
Payments Landscape in France: Opportunities and Risks to 2022
GlobalData’s "Payments Landscape in France: Opportunities and Risks to 2022", report provides detailed analysis of market trends in the French cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, direct debits, cash, cards, and cheques during the review-period (2014-18e). The report also analyzes various payment card markets operating in the industry, and provides detailed information on the number of cards in circulation, transaction values and volumes during...
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Sector Analysis
Payments in France 2017: What Consumers Want
"Payments in France 2017: What Consumers Want", report examines the consumer payments market in France, considering payment cards, online payments, P2P payments, and newer payment technologies such as mobile wallets and contactless. The report also examines the main regulatory players overseeing the market. The French payments market is mature and highly competitive, registering the highest turnover per card for 2017 among peers including the UK, the US, Germany, Italy, Spain, and Canada. Average annual spend per card is also highest...
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Sector Analysis
Payments Landscape in France: Opportunities and Risks to 2021
GlobalData’s "Payments Landscape in France: Opportunities and Risks to 2021", report provides detailed analysis of market trends in the French cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including credit transfers, direct debit, cash, payment cards, and cheques during the review-period (2013-17e). The report also analyzes various payment card markets operating in the industry, and provides detailed information on the number of cards in circulation, transaction values and volumes...
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Analyst Opinions
Retail Banking Country Snapshot: France 2016
The markets for mortgages and personal loans are largely dominated by a single provider (Crédit Agricole for mortgages, LCL for loans). Across all main products branches remain the key channel for acquiring new customers, with many providers not offering digital onboarding. Customers choose providers mainly on the basis of reputation, existing relationships, and rate. Only a minority of consumers either use, or intend to use, fintech providers, with younger consumers proving the most receptive.
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Sector Analysis
Consumer Payments Country Snapshot: France
Issuers are getting contactless cards into the hands of consumers, but many are either unconvinced of the technology’s benefits or concerned about security. Payment providers will need to invest in educating consumers on the benefits of contactless technology and strengthening the technology’s value proposition. E-commerce continues to account for the vast majority of online purchases in France. However, m-commerce is gaining ground, with its share of online purchases quickly growing from 1% in 2010 to 12% in 2014. Payment providers...