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flag Australians and Kiwis are cutting back on holiday spending due to financial stress, opting for discounts, essentials, and BNPL.

flag Australians and Kiwis are shopping earlier and spending less this holiday season due to financial stress, with two-thirds of Australians and nearly half of Kiwis planning to cut back. flag Many are prioritizing discounts, self-care products, and experiences, while using Buy Now, Pay Later services for flexibility. flag Retailers report rising mobile shopping and omnichannel demand, with small businesses benefiting. flag Economic data shows declining electronic card spending and reduced durable goods purchases, as households shift focus to essentials and services.

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