Mobile Payments Readiness Index

mobilereadiness.mastercard.com/france

FRANCE
Mobile Commerce Clusters Consumer Readiness

Environment

31.2

Financial Services

Infrastructure

Regulation

Country Score

Index Average

SUMMARY
WHAT YOU NEED TO KNOW

With a superb Environment ranking, and excellent performance in the Financial Services and Regulation components of the MasterCard Mobile Payments Readiness Index, France presents a study in contrasts, as do

several of the developed economies surveyed. France ranked low enough in the Consumer Readiness, Infrastructure, and all-important Mobile Commerce Cluster components of the Index to rank 23rd overall, with a final score of 31.2

M-commerce frequency in France is 5%, nearly half the Index average of 9%

P2P frequency is 1%, compared with an 8% Index average POS frequency is 1%, compared with a 5% Index average

COUNTRY OVERVIEW

Market Forces
France scored higher than average on household consumption expenditure, $24,126 versus the 34-country average of $11,015. In addition, France had a high percentage of individuals using the Internet (80 percent versus the average of 51 percent), a high percentage of population residing in urban areas (86 percent versus an average of 69 percent), and perhaps most important, did well on the extent to which information and communication technologies are creating new business models, services, and products (83 versus
Household consumption expenditure in France Index Average: $11,015

INTERNET PENETRATION

80%
France

Population using the Internet

Index Average

ANNUAL INVESTMENT IN TELECOM

France

ANNUAL INVESTMENT IN TELECOM

Index Average

the average of 72).

$0 $5 Billion $10 Billion

But France ranked below average on the number of mobile telephone subscriptions, below average on annual

investment in telecom ($8 billion versus the Index average of $10 billion), and low on revenue from mobile services

as a percentage of revenue from all telecommunication services (43 percent versus the average of 52 percent).

Consumer Sentiment
It was the consumer scores that presented the most puzzling news. Frances consumer scores were low, and where they werent low, they were not positive in light of other numbers: While France scored a 28 percent level of familiarity with m-commerce versus the Index average of 20 percent, and 17 percent familiarity with mobile payments at POS versus an Index average of 11 percent, both As is true in other large economies in the European heartland, Frances payments picture is hard to figure out. With high per capita income and outlay coupled with these familiarity measures were significantly lower than actual willingness 12 percent versus a 21 percent average for m-commerce, and seven percent versus an Index average of 17 percent for POS . All these factors suggest a population entrenched in its ways, which will need significant incentives to move from tried-andtrue payments methods to one on the cutting edge of technological innovation. heavy Internet usage, France is also one of the last remaining holdoutsalong with the United States and, to a certain extent, Canadausing checks.

GLOBAL PERSPECTIVE ON CONSUMER SENTIMENT IN FRANCE

100%

75%

50%
28% 20%

25%

16% 8%

17% 11%

19% 4%

17% 7%

21% 12% 8% 1%
5% 1%

9% 5%

0%

P2P

POS m-comm FAMILIAR

Country Score

P2P

POS m-comm WILLING

Index Average

P2P

POS

m-comm

USING
Leading Country Score

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MASTERCARD CONCLUSION

FRANCE
In France, as in other developed economies, its the disparity in scores as much their individual numeric values that, besides lowering the countrys overall position on the Index, indicates market anomalies. Here, as elsewhere, high Internet penetration suggests that the place to begin is m-commerce.
IN

31.2
DE
X AVG 33

.2

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Mobile Payments Readiness Index

mobilereadiness.mastercard.com/france