From October to December 2022, online transactions in the U.S. grew by 21% compared to the same period in 2021.  According to ACI Worldwide, gaming and travel saw increases of 153% and 57%, respectively. Many consumers opted for buy online, pick up in store (BOPIS) options to save shipping costs. This shipping method saw an 18% increase during the same period. 36% of all Black Friday transactions were done through a smartphone. Biometric authentication and encryption by wallet providers decreased fraud attempts by 0.5%.