The December 2025 Visa report highlights a pivotal shift in consumer behavior, indicating that AI and cryptocurrency have become central to daily finance in the U.S. The report reveals that 47% of Americans utilized AI tools during holiday shopping, marking a transition from curiosity-driven experimentation to essential reliance on these technologies for smarter financial decisions. Gen Z emerges as a key player in crypto adoption, with 45% preferring crypto gifts over cash or gift cards. Their affinity for digital wallets and biometric payments signifies a new standard in payment methods. Businesses that fail to embrace AI-driven products and crypto-friendly platforms risk obsolescence, as consumers now view such innovations as necessities rather than luxuries. Visa’s findings suggest that AI-based commerce and cryptocurrency will shape the future of economic development. As these technologies integrate into financial systems, companies prioritizing automation and digital assets will gain competitive advantages in this evolving landscape.
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