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| "cb card use has increased steadily since 1985" |
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Interview: Olivier Mansart
A survey by CB and Télécom Paris* takes a close look
at the payment practices of French consumers. |
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• What role do CB cards play
in French consumers'
everyday habits?
Olivier Mansart: The survey carried out
between March and May 2005 on a sample
of 1447 adults confirms French consumers’
growing acceptance of CB cards.
Their use has increased steadily since they
first appeared on the market in 1985.
Today, 66% of consumers have a CB
card, and 25% have two or more. For 79% of the French, ATMs (automatic teller
machines), available 24/7, are the preferred
method of cash withdrawal.
• How do the French use their
CB card?
CB cards are now the preferred method
of payment for the French, whatever
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90%
of French consumers
have at least one bank card. |
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thevalue of their purchases. They use them
almost systematically in superstores,
and increasingly for purchases over the
Internet. While they still pay for some
purchases by cheque, it is usually for
some other reason rather than as the resultof a deliberate choice. For example, it is
still quite difficult to pay for home services
and government services by bank card.
• Do the survey results reveal particular
types of consumer behaviour?
We see three types of consumers. The “CB”
cohort is still growing. They are most often
urban dwellers, who used their card at
every available opportunity.
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41%
market share of CB
cards inmajor retailers. |
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Their travel
and IT equipment purchases are above
the national average. They tend tofrequent
major brand stores.
"Paper" consumers tend to live in rural
environments. They spend a disproportionate
amount of their budget on personal
services, health and equipment for the
home, for which they pay by cheque. The
"cash" cohort make a lot of their purchases
in local shops.
• What conclusions can we draw today
from this survey?
The results from this survey are already
being used as the basis for trategic analysis
by Cartes Bancaires in the area of
electronic payment. The survey has highlighted
factors driving consumer spending
which will bolster the CB card’s growth as
a means of payment.
CB is now proposing to
open up this survey - until
now restricted to a sample
of French consumers - to
consumers in several of the
country’s European neighbours.
The analysis of these
future results will help with
the creation of the Single
Euro Payment Area.
* www.enst.fr |
| • Interview by
Anne Grandclaude |
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in brief |
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CB: partner
in an in-depth study on B2B E-commerce
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In France, e-commerce between companies (B2B) remains below its growth potential. To understand what is hindering and driving B2B e-commerce, CB has joined forces with FEVAD* (French Federation of Distance Selling Companies) to carry out an indepth study, "B2B e-commerce, a major challenge for the French economy". The aim is to analyse this market, identifythe best practices and what is hindering its growth, and put forward five recommended measures, including the development of purchasing cards to speed up the penetration of e-commerce.
* www.fevad.com |
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The CB/Télécom Paris survey on French payment
behaviour was conducted between March
and May 2005 on a sample of 1447 people
over 18.
Cartes
Bancaires CB Newsletter » |
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