Mr President, the Observatory’s report for 2023 has just been publish. What are the main trends you see in terms of the use of payment methods?
The underlying trend towards increasing the use of dematerializ means of payment continues at a sustain pace. The 2023 data that the Observatory has gather shows a growth of more than 5% in non-cash payments (excluding cash) with 32.2 billion transactions, which is a record level. Against this backdrop, the card is consolidating its status as the preferr daily means of payment for the French, with a share in the number of non-cash transactions that is now approaching two thirds (64.6%): the number of card payments is increasing both locally (+7%), i.e. mainly in stores, and online (+12%), the latter channel benefiting from the growth of e-commerce and digital uses.
When we look more closely
this growth in cashless payments is notably fuel by the most innovative uses: mobile payment, whose flows almost double every year (+90% in 2023), now indonesia email list represents 10% of proximity card payments; instant transfers also continue to develop rapidly (+84% in number of transactions), now representing 6.4% of transfers. Contrary to these trends, the use of checks continues to decline and now represents only 2.8% of transactions (compar to 14.4% in 2013).
What about fraud?
Along with the members of the Observatory, I am pleas to observe a general stability of fraud, both in number of cases (around 7 million) and in amount (1.2 billion euros). This stability deserves to be welcom, even though the use of cashless payment methods is increasing, the threat level constantly sending emails to these addresses of fraudsters remains high and their sophistication is increasing, in a geopolitical context be numbers of tensions. These good results are a sign of the commitment of all the players in the payment chain in the fight against fraud. They are all gather within the Observatory, from merchants to banking players, from consumers to sovereign authorities, around the promotion of this common good that is the security of our means of payment.
