Jingle Bots: AI Is Brightening the Holiday Shopping Experience for Consumers

Costa Mesa, Calif., November 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.

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:

• Let AI be your personal holiday elf: EVA, Experian Virtual Assistant is Experian’s generative AI-powered chatbot that helps members get answers to common financial questions and take immediate action. Personalized to each user, EVA can guide consumers through a wide range of actions, from potentially improving their FICO® Scores[1] and finding the right credit cards to meet their needs to securely locking or unlocking their Experian credit file[2]. It’s designed to simplify financial decisions and help consumers take meaningful steps toward stronger financial health year-round.
• Earn more cheer with the right credit card: Holiday shoppers can visit Experian’s credit card marketplace to find personalized offers, based on their credit profile, that can potentially help them earn rewards, cash back, or other perks. Additionally, through the marketplace, consumers can apply for cards labeled "No Ding Decline™," which won't hurt their FICO Score if they're not initially approved.[3]  More than 2 million people obtained a credit card through Experian last year.
• Spend where it matters by saving where you can: Holiday budgets can stretch further when everyday expenses shrink, and Experian offers tools to help consumers uncover unexpected savings. Experian’s subscription cancellation[4] feature identifies subscriptions and makes it easy to cancel those that are unused or unwanted, freeing up extra cash for gifts and celebrations, and the bill negotiation[5] feature could potentially help lower monthly costs like cable, internet, and phone bills.

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.

[1] Credit score calculated based on FICO^® Score 8 model. Your lender or insurer may use a different FICO^® Score than FICO^® Score 8, or another type of credit score altogether. Learn more.

[2] Experian CreditLock is a separate service from Security Freeze. Learn more about the differences between Experian CreditLock and Security Freeze.

[3] Applying for cards labeled ‘No Ding Decline’ won’t hurt your credit scores if you aren’t initially approved. Approval of your application will result in a hard inquiry, even if you’re unable to pass final verifications, which may impact your credit scores.

[4] Results will vary. Not all subscriptions are eligible for cancellation, savings are not guaranteed, and some may not see any savings. Available with eligible paid memberships and requires connecting payment account(s) to Experian account.

[5] Results will vary. Not all bills are eligible, savings are not guaranteed. Available with eligible paid memberships and requires connecting payment account(s) to Experian account.