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Consumer Credit in France

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    Report

  • 16 Pages
  • November 2023
  • Region: France
  • Euromonitor International
  • ID: 1449306
Consumer credit is facing challenges in 2023, due to the uncertainty of the overall economic context. Negative influencing factors include high inflation, geopolitical unrest concerning the ongoing Russia-Ukraine war, and, in light of this situation, a degree of consumer caution when it comes to spending and seeking loans. This means consumers are placing a stronger focus on low prices, rather than acquiring debt to purchase large ticket items.

The Consumer Credit 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: Auto Lending, Card Lending, Durables Lending, Education Lending, Home Lending, Other Personal Lending.

Data coverage: Market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

  • Get a detailed picture of the Consumer Credit 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

CONSUMER CREDIT IN FRANCEKEY DATA FINDINGS
2023 DEVELOPMENTS
  • Consumer credit faces challenges due to economic uncertainty
  • Auto lending shows recovery potential due to trends in the industry, as credit patterns match industry trends
  • Mainstream consumer lending players need to adapt to the changing landscape
PROSPECTS AND OPPORTUNITIES
  • Mechanical effect of inflation creates perceived growth
  • Battle about usury rates, ongoing high refusal rates, and higher commissions for education lending
The outlook remains shady for BNPL
CATEGORY DATA
  • Table 1 Consumer Credit: Outstanding Balance by Category: Value 2018-2023
  • Table 2 Consumer Credit: Outstanding Balance by Category: % Value Growth 2018-2023
  • Table 3 Consumer Credit: Gross Lending by Category: Value 2018-2023
  • Table 4 Consumer Credit: Gross Lending by Category: % Value Growth 2018-2023
  • Table 5 Forecast Consumer Credit: Outstanding Balance by Category: Value 2023-2028
  • Table 6 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2023-2028
  • Table 7 Forecast Consumer Credit: Gross Lending by Category: Value 2023-2028
  • Table 8 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2023-2028
CONSUMER LENDING IN FRANCE
EXECUTIVE SUMMARY
  • Consumer lending in 2023: The big picture
  • 2023 key trends
  • Declining acceptance of applications and rising interest rates mean lower growth in mortgages/housing lending
  • Buy now pay later options continue to lose popularity
  • What next for consumer lending?
MARKET DATA
  • Table 9 Consumer Lending: Outstanding Balance by Category: Value 2018-2023
  • Table 10 Consumer Lending: Outstanding Balance by Category: % Value Growth 2018-2023
  • Table 11 Consumer Lending: Gross Lending by Category: Value 2018-2023
  • Table 12 Consumer Lending: Gross Lending by Category: % Value Growth 2018-2023
  • Table 13 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
  • Table 14 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
  • Table 15 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
  • Table 16 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2018-2023
  • Table 17 Forecast Consumer Lending: Outstanding Balance by Category: Value 2023-2028
  • Table 18 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2023-2028
  • Table 19 Forecast Consumer Lending: Gross Lending by Category: Value 2023-2028
  • Table 20 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2023-2028
DISCLAIMER
SOURCES
  • Summary 1 Research Sources