The French Credit Card Market is One of the Most Sophisticated in Europe.DUBLIN, Ireland -- Research and Markets (http://www.researchandmarkets.com/reports/c33715) has announced the addition of Payment Cards in France 2005 to their offering. France has one of the most sophisticated card markets in Europe, with deferred debit cards debit card, card that allows the cost of goods or services that are purchased to be deducted directly from the purchaser's checking account. They can also be used at automated teller machines for withdrawing cash from the user's checking account. being the preferred choice. However the market is characterised by a highly regulatory environment with tough barriers to entry. The briefing provides an overview of the current position of France in the cards market and analyses its potential in the forthcoming years. Scope of this title: - The focus of the briefing is on consumer payment cards, as opposed to commercial products. - Data and analysis is provided on the following card types: debit cards, deferred debit and charge cards and revolving credit Revolving Credit A line of credit where the customer pays a commitment fee and is then allowed to use the funds when they are needed. It is usually used for operating purposes, fluctuating each month depending on the customers current cash flow needs. cards. - The briefing parameters extend to card issuance only. Merchant acquiring and card processing are not covered not covered Health care adjective Referring to a procedure, test or other health service to which a policy holder or insurance beneficiary is not entitled under the terms of the policy or payment system–eg, Medicare. Cf Covered. . - Demographic and economic indicators Economic indicators The key statistics of the economy that reveal the direction the economy is heading in; for example, the unemployment rate and the inflation rate. are compared to other European countries. Highlights of this title: - In France consumers are comfortable and familiar with using cards as a payment tool, with the most popular being deferred debit cards. General purpose revolving cards are comparatively rare, with the private label sector accounting for the bulk of card-based borrowing. - Card issuers face a tough regulatory environment in France. There are no credit bureaux and usury usury: see interest. usury In law, the crime of charging an unlawfully high rate of interest. In Old English law, the taking of any compensation whatsoever was termed usury. rates are set by the government. Groupement Cartes CARTES Computer Arts Centre at Espoo Bancaires has prohibited its members from entering co-branded alliances and affinity partnerships. - In order to develop the revolving credit card market further, certain regulations need to be relaxed in order to promote competition and innovation in the market and also to knock down barriers to entry for foreign players. Reasons to order your copy: - Learn how the French consumer payment card market has developed over the last five years. - Understand the recent developments in the market in terms of consolidation, new entrants and product innovations. - Find out our opinion on the future growth rate of the cards market, looking at debit, deferred debit and charge, and credit. Topics Covered - EXECUTIVE SUMMARY Introduction What is this brief about? Scope of the brief Structure of brief - MARKET CONTEXT Country overview Demographics The attributes of people in a particular geographic area. Used for marketing purposes, population, ethnic origins, religion, spoken language, income and age range are examples of demographic data. Economy Market size Payment cards in the context of consumer payments Payment card statistics Card acceptance ATM statistics POS (1) See point of sale and packet over SONET. (2) "Parent over shoulder." See digispeak. POS - point of sale statistics Regulatory environment Structure of French retail banking Commercial banks Mutual and co-operative banks The Co-operative Bank is a co-operative bank trading in the United Kingdom with headquarters in Manchester, UK. It is an ethical bank, and refuses to invest in companies involved in the arms trade, genetic engineering, animal testing and use of sweated labour as stated in its Municipal credit banks (Caisses de credit municipal) The French banking structure is more complex than it seems Finance houses are important players in the retail financial market Other players in the retail banking market Regulation of French retail banking Regulatory bodies Banking Associations Other noteworthy associations Credit bureaux A look at the top four card players in France Recent regulatory developments Key issues SEPA SEPA® Soft enhancer of percutaneous absorption Therapeutics A technology that enhances transdermal drug delivery. See Transcutaneous therapy. EMV EMV Elektromagnetische Verträglichkeit (German: Electromagnetic Compatibility) EMV EuroPay, MasterCard, Visa (Smart debit cards) EMV Europay, Mastercard and Visa EMV Eftermiddagsverksamhet and fraud - COMPETITOR AND PRODUCT OVERVIEW Card scheme market shares Pay now cards Credit cards Deferred debit and charge cards Card issuer market shares Pay now card issuer market shares Credit card issuer market shares Deferred debit and charge card issuer market shares Competitor developments Groupement des Cartes Bancaires stands accused of restricting foreign entry However, there has been consolidation in the domestic market Alliances and partnerships Product analysis The price of deferred debit cards Revolving credit cards and their fees Product innovation - FORECASTING THE PLASTIC CARD MARKET IN FRANCE Forecasting the pay now card market Forecasting the charge and deferred debit card market Forecasting the credit card market SWOT Analysis SWOT Analysis A tool that identifies the strengths, weaknesses, opportunities and threats of an organization. Strengths Weaknesses Opportunities Threats - APPENDIX For more information visit http://www.researchandmarkets.com/reports/c33715 Source: Datamonitor |
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