Visa Survey Finds AI and Crypto Poised to Transform U.S. Holiday Spending

SAN FRANCISCO--( BUSINESS WIRE)--Visa Inc. (NYSE: V) today released new survey data, revealing AI’s influence in shopping and spending, a generational shift in consumer spending behavior, and emerging payments trends this holiday season.

"The data tells a fascinating story about the spending shift we're witnessing: shoppers are embracing AI and digital tools at remarkable speed, with nearly half of Americans now using AI to enhance their shopping experience," said Bruce Cundiff, vice president, Consumer Insights at Visa. "From AI-powered gift discovery to cryptocurrency as a legitimate gift option, we're seeing Gen Z and younger millennials lead a fundamental reimagining of commerce."

AI and Crypto Become Mainstream This Year

This holiday season marks a turning point in how Americans shop and gift. Consumers are increasingly weaving technologies like AI and digital currencies into their holiday traditions.

Gen Z Leads the Charge in Digital-First Consumer Behavior

Gen Z continues to outpace other generations in adopting next-generation payment and shopping methods:

Shoppers Want Smarter Tech – And More Trust

As technology becomes central to the shopping journey, consumers are calling for transparency, security, and human connection:

Holiday Cheer Arrived Early

More than a quarter of consumers surveyed began holiday shopping before November. Visa forecasts 4.6% year-over-year growth in total U.S. holiday spending, showing Americans’ determination to celebrate the season.

To learn more about the global results of this survey, visit Visa Perspectives.

About the 2025 Holiday Spending Shift Survey

Visa commissioned Morning Consult to survey a sample of 1,000 U.S. adults between October 14 and October 16, 2025. The interviews were conducted online, and the data were weighted based on gender, education attainment, age, and race. Results from the full survey have a margin of error of plus or minus 3 percentage points.

About Visa

Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.