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Online and mobile banking in France - statistics & facts

Online and mobile banking have become a growing industry in France over the past few years. With the development of new technologies, the share of people using online banking services has been increasing since 2006, and accounted for two-thirds of the population in 2019. While France is still behind some of its fellow European countries in terms of online banking penetration, it remained in the top 15 best online banking penetration rates on the European market as of 2019. Being easily accessible with a mobile phone, a tablet or any other digital device connected to an internet source, online and mobile banking are attracting users of all ages.

The growing number of online and mobile banking users has led to the establishment of a new bank model: digital banks. Digital banks are financial technology firms offering various services still found in traditional banks, just online and accessible via a digital device. As part of this new banking structure, neo-banks are imposing their model in France and attracting more and more attention. In 2019, Boursorama Bank was the leading French online bank by number of users and the berliner neo-bank N26 led in terms of number of customers.

Users report that digital banking services are quite useful regarding bank operations such as viewing general account information, sending payments and blocking a bank card in the event of theft or loss. The efficiency of mobile and online banking when it comes to these types of common banking operations contributes to make digital banking services an integral part of French people's everyday lives.

These types of services, allowing remote access which could only be achieved before by going to the bank, accessibility and affordability, are most appreciated by French customers. In addition, since the beginning of the coronavirus crisis (COVID-19), people in France have been forced to change their consumption habits, notably by giving priority to digital services. As a result, digital banks could have an advantage over traditional financial institutions. Offering mainly digital services, neobanks and online banks indeed seem to be the best protected in the face of the health crisis.
The importance of banking applications in the daily lives of the French does not seem set to diminish: with the crisis, about a third of the French population said they had been encouraged to consult their mobile application more often.

Interesting statistics

In the following 4 chapters, you will quickly find the 28 most important statistics relating to "Online and mobile banking in France".


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