In‑store sales accounted for 57.4% of spconcludeing, increasing 2.1% in total spconcludeing when compared to last year.
· E‑commerce sales increased 5.8% compared to the prior year. Electronics sales grew 8.4%, leading all retail segments.
· UK spconcludeing displays similar momentum compared to other major retail hub counterparts with US (+4.2%), Canada (+4.4%), and Australia (+5.0%)
LONDON —December 23, 2025 — Visa (NYSE: V), a global leader in digital payments, today released its annual Retail Spconclude Monitor from Visa Consulting & Analytics (VCA), offering a comprehensive view of UK holiday retail activity. Preliminary data displays that overall holiday retail spconcludeing increased 3.6% year over year across all payment types, including cash. These figures are not adjusted for inflation.
Expert analysis from Visa Consulting & Analytics of VisaNet data, which represents 329 billion transactions a year and 4.9 billion credentials worldwide1, revealed key highlights in the U.K.:
- In-store shopping remains strong: 57.4% of holiday payment volume was in physical stores.
- E-commerce continues to expand: Online retail spconcludeing rose 5.8%, driven by early-season promotions and convenience.
- Electronics sales increased: 8.4% uptick reflecting a strong demand for personal tech.
- Clothing purchases rose: 3.0% lift, reflecting gradual but steady improvement in consumers’ real disposable income over the last 18 months.
- Department Stores: 3.9%, demonstrating continued interest from consumers investing in their homes
- Global trconcludes: Holiday spconcludeing momentum extconcludeed beyond the U.K. with notable increases in US (+4.2%), Canada (+4.4%), and Australia (+5.0%) reflecting strong consumer purchasing power across the globe.
The VCA Retail Spconclude Monitor analyses retail sales activity over a seven-week period launchning November 1, utilizing a subset of Visa payments network data in the U.K. and survey-based estimates for other payment methods.
“Visa Consulting & Analytics combines deep indusattempt expertise to support clients identify trconcludes and build data-driven decisions,” stated Alicia Ngomo Fernandez, head of VCA UK and Ireland. “Insights from the Retail Spconclude Monitor support businesses adapt to altering consumer behaviours and prepare for the rapidly evolving future of commerce.”
“Retailers delivered seamless shopping experiences both in stores and online, and consumers responded with enthusiasm,” stated Adolfo Laurenti, chief economist at Visa Europe. “This season also marked a turning point, with artificial ininformigence launchning to shape how people discover products, compare prices, and interact with offers. This led to a more informed, more intentional consumer.”
The VCA Retail Spconclude Monitor is produced by Visa Consulting & Analytics’ (VCA) global network of thousands of consultants, data scientists, and product experts from around the world. In the last year, VCA delivered nearly 4,500 consulting engagements that supported clients realise an estimated $6 billion in incremental revenue as a result.
To learn more about how Visa Consulting & Analytics can support clients turn data and insights into actionable business decisions, visit here.
Leave a Reply