Visa Inc. (NYSE: V) has unveiled insightful survey data that showcases how artificial intelligence (AI) and cryptocurrency are reshaping consumer spending habits this holiday season. Conducted by Morning Consult, the survey captures a generational shift in shopping behaviors, particularly among younger consumers, and highlights emerging trends that could define the future of commerce.

1. A New Era of Shopping: The Influence of AI and Crypto

According to Bruce Cundiff, Vice President of Consumer Insights at Visa, the data illustrates a significant transformation in how Americans approach holiday shopping. "Shoppers are embracing AI and digital tools at remarkable speed, with nearly half of Americans now using AI to enhance their shopping experience," said Cundiff. This year marks a pivotal moment as consumers integrate advanced technologies into their holiday traditions.

Key Findings from the Survey

AI Adoption: Nearly 47% of U.S. shoppers reported using an AI tool for at least one shopping task, with gift idea discovery being the most popular application.

Cryptocurrency as a Gift: Over one in four shoppers (28%) expressed excitement about receiving cryptocurrency as a gift, a sentiment that resonates even more with Gen Z, where this figure jumps to 45%.

Stablecoin Expectations: About 10% of consumers believe stablecoins will dominate by 2030, while 28% anticipate increased usage by 2035.

2. Gen Z: The Digital-First Generation

The survey reveals that Gen Z is at the forefront of adopting cutting-edge payment and shopping technologies. This demographic is significantly more inclined to embrace digital innovations compared to older generations.

Notable Trends Among Gen Z Shoppers

Biometric Authentication: A staggering 71% of Gen Z shoppers utilize biometric authentication methods.

Global Shopping: 60% of Gen Z consumers are purchasing gifts from overseas, reflecting a globalized approach to holiday shopping.

Cryptocurrency Usage: 44% of Gen Z respondents have used cryptocurrency for purchases, outpacing other age groups.

Preference for Digital Wallets: The gap between preferences for digital wallets versus physical cards is narrowing, with Gen Z favoring digital wallets at 36% compared to 34% for physical cards.

3. Consumer Expectations: The Demand for Trust and Transparency

As AI continues to integrate into shopping experiences, consumers are increasingly vocal about their expectations for transparency and security.

Preference for Human Interaction: 61% of shoppers still prefer human customer service representatives, indicating a desire for personal connection even in an AI-driven shopping landscape.

Concerns about Online Security: A significant 66% of consumers worry about their friends and family falling victim to online scams this holiday season, and 39% have encountered such scams themselves in the past year.

4. Early Holiday Shopping Trends

More than a quarter of surveyed consumers began their holiday shopping before November, hinting at a proactive approach to gift-giving. Visa forecasts a 4.6% year-over-year growth in total U.S. holiday spending, underscoring the determination of Americans to celebrate the season despite economic uncertainties.

5. Conclusion: A Shift in Holiday Spending Dynamics

As the 2025 holiday season approaches, Visa's survey highlights a critical shift in consumer behavior driven by technology. The increasing adoption of AI tools and the acceptance of cryptocurrency as a legitimate gift option illustrate a fundamental reimagining of commerce, particularly among younger shoppers. With a focus on transparency and security, Visa is poised to support consumers in navigating this evolving landscape of holiday spending.

To explore the complete global results of this survey, visit Visa Perspectives.

Original press release