Visa’s survey shows that nearly half of U.S. shoppers are using AI tools for holiday shopping, with Gen Z leading in digital-first behaviors. Concerns about transparency, security, and online scams persist. The survey also reveals a growing interest in cryptocurrency as a gift and the use of stablecoins in the future. The data highlights a shift towards smarter and more tech-savvy holiday shoppers, as well as an increase in early holiday spending.

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