COSTA MESA, Calif.--(BUSINESS WIRE)--Nov 17, 2025--
Holiday shoppers are decking the halls with digital help this year, as artificial intelligence (AI) emerges as an ally in navigating seasonal spending. According to a national consumer survey from Experian®, AI tools are making the holiday shopping process easier, more enjoyable, and potentially more budget-friendly with 58 percent of survey respondents who have used AI reporting a significant impact on the way they plan and shop for the holiday season.
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AI is the new holiday helper
From budgeting to planning, AI is playing a meaningful role in how consumers shop for the holidays. Nearly 2 in 3 consumers surveyed (63%) are open to AI working as their holiday elf and making their holiday shopping process jollier. When it comes to what they need the most assistance with, consumers say they are most interested in using AI to find the best prices (40%) and spot deals or sales (38%).
While adoption is still growing, those who use AI tools are seeing real benefits. Gen Z leads the way in usage, with 18 percent saying they’ve used AI to help plan or shop for the holidays, nearly double the rate of the general population (10%). Among those who’ve used AI tools to help plan or shop for the holidays, 86 percent say it makes holiday shopping easier, and 76 percent say it makes it more enjoyable.
Consumers alleviate financial pressure with proactive planning
While the holiday season is meant to be a time of joy, expenses and obligations can place pressure on consumers’ finances. In fact, over half (52%) of consumers feel stressed about their finances during the season, and 69 percent of consumers say inflation will affect their holiday shopping this year.
However, consumers are making sure they get on the financial nice list. Over half (56%) said they will set aside money for gifts, tighten their budgets (45%), assess their credit cards to pick the best ones for shopping (25%), and improve their credit score (22%) to prepare their finances for holiday shopping. Among Gen Z specifically, 87 percent are motivated to improve their finances for the holiday buying frenzy.
“The holidays are often filled with joy, but they can also bring financial stress that lingers well into the new year,” said Rod Griffin, senior director of Consumer Education and Advocacy at Experian. “That’s why it’s so important for consumers to turn to trusted resources that support their entire financial journey, from managing holiday budgets to building long-term financial health. With the right tools, including AI, consumers can feel more confident and in control.”
Before the year comes to an end, consumers can take advantage of a few simple strategies to keep their finances on track:
Experian is here for consumers to lean on during the holiday season and beyond like a Big Financial Friend. For more information on how Experian can be your BFF, visit www.Experian.com.
About Experian
Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realise their financial goals and help them to save time and money.
We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.
We invest in talented people and new advanced technologies to unlock the power of data and to innovate. A FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 25,100 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.
Experian’s annual shopping survey finds some holiday shoppers are embracing tech to tackle seasonal spending.
HONG KONG (AP) — About a third of Hong Kong 's registered voters elected a new 90-member legislature Sunday, a turnout that avoided an embarrassment for the government but fell short of a ringing endorsement of an electoral system revamp that eliminated the once feisty opposition in the Chinese territory.
The turnout rate reached 31.9%, surpassing the 30.2% in the 2021 election, the first held under the new system. It was much lower than before the electoral changes, when turnout topped 50%.
Many of the city’s 4.1 million eligible voters, especially democracy supporters, have turned away from politics since a crackdown that has stifled dissent. Candidates must now go through a vetting process that ensures they are patriots who are loyal to the Chinese government. The government says the changes were needed to bring stability after massive anti-government protests in 2019.
The government launched a major campaign to drive up turnout, adding polling stations, extending voting hours and holding candidate forums. But public anger over government accountability in an apartment fire that killed at least 159 people late last month threatened to keep some potential voters at home.
In the end, enough came out to nudge up the turnout rate from 2021, the lowest since the former British colony returned to Chinese rule in 1997.
Ahead of the vote, Chinese authorities called foreign media to a rare meeting to warn them that they need to comply with the city's national security laws.
Election campaigning was suspended after the fire and remained subdued in the final days out of respect for the victims.
Government efforts to drive up turnout, seen as a referendum on the new electoral system, had been in full swing before the blaze. Promotional banners and posters were hung throughout the city and subsidies offered to centers for older people and people with disabilities to help them vote.
Authorities arrested people who allegedly posted content that incited others not to vote or cast invalid votes.
Hong Kong's deadliest fire in decades has raised questions over government oversight and suspected bid-rigging in building maintenance projects. The 1980s-era apartment complex was undergoing renovations.
Some candidates pledged to combat bid-rigging.
City leader John Lee said in a statement on Monday that holding a smooth election during a difficult period for Hong Kong “carries profound significance," saying he expected the lawmakers would work with the government to drive systemic reforms following the fire.
Even before the 2021 electoral changes, only half of what had been a 70-member legislature was chosen by the general electorate.
Now, that has been reduced to 20 out of 90 seats and 40 others are chosen by a largely pro-Beijing election committee. The remaining 30 represent various groups — mainly major industries such as finance, health care and real estate — and are elected by their members.
The “patriots” requirement for all candidates has pushed out the opposition parties, which advocated for making the system more democratic.
“I’m performing my civic duty as a citizen to vote … but I’m not too certain which candidate is hardworking and which is not,” retiree Kwan Lam said outside a polling station. “I chose the one who cares for the elderly.”
Olympic fencing champion Vivian Kong on Monday won in the tourism sector, despite lacking industry experience.
The candidate pool seems to reflect Beijing's desire to have more lawmakers who are more in tune with its agenda, some observers said, in what they see as signs of Beijing’s tightening control even over its loyalists.
Lee has said that personnel changes are normal during an election. He criticized attempts to “distort” these changes to smear the new election system.
Ho-fung Hung, professor of political economy at Johns Hopkins University, said voter turnout was far lower than the 2016 election despite the vast resources the government had mobilized to boost turnout. The actual number of people who voted was also down from 2016 due to a shrinking electorate, he said.
The fire also contributed to the low turnout, Hung said.
“But it may work toward the government’s advantage, as they can blame the tragedy for the poor performance, or even say that the not-so-drastic drop in voting number despite the fire is an achievement,” he said.
John Burns, an honorary professor of politics and public administration at the University of Hong Kong, said the election shows that the city remains polarized with pro-establishment and opposition camps.
“The fire ... played a role because it exposed various governance problems that no resident could be happy about," he said.
But Electoral Affairs Commission chairperson David Lok found it encouraging that 1.3 million people voted, saying the current atmosphere made holding the election difficult as many were affected by the blaze.
Beijing's office on Hong Kong affairs hailed the increase in turnout rate in a WeChat statement, saying it reflected Hong Kong society's support for the poll.
Beijing’s national security arm in Hong Kong summoned representatives of several foreign news outlets, including The Associated Press, on Saturday.
Some foreign media had spread false information and smeared the government's disaster relief efforts after the fire, as well as attacked and interfered with the legislative elections, the Office for Safeguarding National Security said in a statement.
“No media outlet may use ‘freedom of the press’ as a pretext to interfere in China’s internal affairs or Hong Kong affairs,” the statement said.
Authorities have warned the general public against using the fire to try to undermine the government and have arrested at least one person on suspicion of inciting hatred against government officials.
Moritsugu reported from Beijing. Associated Press writer Chan Ho-him in Hong Kong contributed to this report.
Gary Chan, candidates of the Legislative Council Election, center, campaigns on the street during the Legislative Council General Election in Hong Kong on Sunday, Dec. 7, 2025. (AP Photo/Chan Long Hei)
Gary Chan, candidates of the Legislative Council Election, center, campaigns on the street during the Legislative Council General Election in Hong Kong on Sunday, Dec. 7, 2025. (AP Photo/Chan Long Hei)
People walk past a polling station near the site of the fire at Wang Fuk Court in the Tai Po district during the Legislative Council General Election in Hong Kong on Sunday, Dec. 7, 2025. (AP Photo/Chan Long Hei)
Hong Kong's Chief Executive, John Lee casts his ballot at a polling station during the Legislative Council General Election in Hong Kong on Sunday, Dec. 7, 2025. (AP Photo/Chan Long Hei)
People read the candidates information at a polling station near the site of the fire at Wang Fuk Court in the Tai Po district during the Legislative Council General Election in Hong Kong on Sunday, Dec. 7, 2025. (AP Photo/Chan Long Hei)
Hong Kong's Chief Executive John Lee, poses for photos at a polling station during the Legislative Council General Election in Hong Kong on Sunday, Dec. 7, 2025. (AP Photo/Chan Long Hei)
Hong Kong's Chief Executive John Lee speaks to the media at a polling station during the Legislative Council General Election in Hong Kong on Sunday, Dec. 7, 2025. (AP Photo/Chan Long Hei)
Hong Kong's Chief Executive John Lee casts his ballot at a polling station during the Legislative Council General Election in Hong Kong on Sunday, Dec. 7, 2025. (AP Photo/Chan Long Hei)
People look at a candidate brochure of the Hong Kong Legislative Council General Election at a forum in Hong Kong on Wednesday, Dec. 3, 2025. (AP Photo/Chan Long Hei)
Pedestrians walk past the banner promoting the Hong Kong Legislative Council General Election in Hong Kong on Wednesday, Dec. 3, 2025. (AP Photo/Chan Long Hei)
