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移动支付在法国飞速发展!|出海法国金融岛群第6期

2019-08-22 11:18:42

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法国银行(Banque de France)表示,由于电子货币使用量增加以及支票和贸易票据等国家支付工具的使用减少,法国的非现金支付正在增加。

 2016年,非现金支付的总价值增长了3%,达到270亿欧元,其中最重要的增长来自使用电子货币,根据该机构的统计数据,电子货币在2015年至2016年期间增长了47%。 特别是包括移动支付应用在内的支付服务的增长推动了电子货币交易的急剧增长。

 目前法国有许多用于各种目的的不同的非现金支付工具,但在过去十年中,由于互联网的迅速发展和数字技术的进步,出现了新的支付手段。

 这些新服务提供一系列创新功能。 它们包括非接触式支付系统,或允许用户通过在支付终端上挥动卡或智能手机快速进行小额支付的设备,以及通过数字平台和移动应用程序工作的数字钱包。

 Lydia是法国领先的移动支付服务提供商之一。  Lydia的iPhone和Android应用程序于2013年推出,支持用户非常轻松地向任何人付费并进行在线购物。  Lydia在2017年底超过了100万用户的里程碑,并宣称每天创建超过2000个Lydia帐户。  Lydia在2月份由CNP Assurances领导的一轮融资中筹集了1300万欧元,使该创业公司募集的总金额超过2300万欧元。

 Lemon Way是法国数字支付领域的另一个重要参与者。 该创业公司提供白标B2B平台,为众筹、电子商务移动等企业提供支付处理、钱包管理和第三方支付解决方案。 它声称服务于约1400个市场,包括200个众筹平台,并在2017年完成了价值14亿欧元的交易。

 法国创业公司Leetchi经营一个众筹平台和Mango paypayment处理解决方案,于2015年被法国银行Crédit Mutuel Arkéa收购.Leséchos报告称,CréditMutuelArkéa花费超过5000万欧元用于收购该公司86%的股份。

 CréditMutuel还参与了其他几个项目,包括Lyf Pay数字钱包。  Lyf Pay于2017年5月由法国巴黎银行支持的Wa合并推出。 一体化移动支付解决方案集中了客户的支付卡、优惠券和会员卡,并允许进行店内在线支付。

 法国跨国电信公司Orange于2015年推出移动钱包应用Orange Cash,进入移动支付市场。 该应用程序允许使用具有NFC功能的智能手机的用户只需点击一下即可在全国任何非接触式Visa终端上付费。

 家乐福是一家法国跨国零售商,也是全球最大的连锁超市之一,今年早些时候推出了其移动支付应用程序Carrefour Pay。 移动应用程序将在2018年底之前链接到所有银行卡,并允许在支持NFC的终端上轻松进行店内支付。

 随着其自己的支付应用程序的推出,家乐福正在实施其1月推出的五年转型计划,该计划计划投资28亿欧元用于开发零售连锁的数字和全渠道运营。

 与此同时,法国第戎市和公共交通运营商Keolis在3月份在该市的电车网络上推出了一种新的非接触式支付系统。

英文:

Non-cash payments are increasing in France, driven by the rise in e-money usage and the decline in the use of national payment instruments such as cheques and trade bills, according to the Banque de France.

In 2016, the total value of non-cash payments rose by 3% to EUR 27 billion with the most important increase coming from the use of e-money, which increased by 47% between 2015 and 2016, according to statistics from the institution. In particular, it is the rise in peer-to-peer payment service, including mobile payment apps, that’s fuelled the sharp increase in e-money transactions.

There are currently a number of different cashless payment instruments available in France, used for a wide variety of purposes but the past decade has seen the emergence of new means of payment, spurred by the rapid expansion of Internet and advances in digital technology.

These new services offer a range of innovative functions. They include contactless payment systems, or devices that allow users to make small payments rapidly simply by waving a card or smartphone over a payment terminal, and digital wallets, which work through digital platforms and mobile apps.

Lydia is one of the leading mobile payment services providers in France. Launched in 2013, Lydia’s iPhone and Android apps allow users to pay anyone very easily and make online purchases. Lydia crossed the milestone of one million users at the end of 2017, and claims that more than 2,000 Lydia accounts are created daily. Lydia raised EUR 13 million in a funding round led by CNP Assurances in February, bringing the total amount raised by the startup to more than EUR 23 million.

Lemon Way is another key player in the French digital payments space. The startup provides a white-label B2B platform that offers payment processing, wallet management and third-party payment solutions for businesses involved in crowdfunding, e-commerce, mobile, and more. It claims to be serving about 1,400 marketplaces, including 200 crowdfunding platforms and processed EUR 1.4 billion worth of transactions in 2017.

French startup Leetchi, which operates a crowdfunding platform and the Mangopaypayment processing solution, was acquiredby French bank Crédit Mutuel Arkéa in 2015. Les échos reported that Crédit Mutuel Arkéa spent more than EUR 50 million to acquire 86% of the company.

Crédit Mutuel was also involved in several other projects including the Lyf Pay digital wallet. Lyf Pay was launched in May 2017 from the merger of the BNP Paribas-backed Wa! And Crédit Mutuel’s Fivory. The all-in-one mobile payment solution centralizes customers’ paymentscards, coupons and loyalty cards and allows for in-store, online, and peer-to-peer payments.

French multinational telecommunications corporation Orange entered the mobile payments market in 2015 with the launch of Orange Cash, a mobile wallet app. The app allows users with NFC-enabled smartphones to pay at any contactless Visa terminal across the country with just a tap.

Carrefour, a French multinational retailer and one of the largest hypermarket chains in the world, introduced its mobile payment app Carrefour Pay earlier this year. The mobile app will be linked to all bank cards by the end of 2018 and will allow for easy in-store payments at NFC-enabled terminals.

With the launch of its very own payment app, Carrefour is putting into practice its five-year transformation plan, launched in January and which plans to invest EUR 2.8 billion in developing the retail chain’s digital and omnichannel operations.

Meanwhile, the city of Dijon, France, and public transport operator Keolis, launched a new contactless payment system on the city’s trams network in March.

 


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