Mastercard is predicting a slight uptick in in-store sales this holiday season, and that consumer spending will be “resilient.”

According to the credit card brand’s latest SpendingPulse, based on aggregate sales activity in the Mastercard payments network and coupled with survey-based estimates for certain other payment forms, in-store sales are expected to increase 2.8% year-over-year.

Black Friday, Nov. 24, is expected to kick off the holiday shopping period with an expected spike in both in-store and online sales as consumers scoop up discounted goods. The momentum, Mastercard says, is expected to continue from there with a steady increase in sales and a flurry of last-minute shoppers on Christmas Eve.

Consumers will be seeking out physical retail stores, while online sales are expected to ease compared with last year.

With buyers growing accustomed to shorter delivery times, however, Mastercard says a a peak in online sales is expected the weekend before Christmas.

“In-store experiences coupled with ongoing sales and promotions will be paramount for retailers this holiday season,” said Steve Sadove, senior advisor for Mastercard. “While the convenience of online is still important, consumers are keen to physically interact with their purchases. We can expect retailers to prioritize in-store only promotions, gifts with purchase, point-of-purchase sales and hands-on sales staff. “

Electronics sales are expected see the largest sector growth: 3.9% year-over-year. This, Mastercard says, indicates that consumers could be looking to update to the latest tech gadgets this holiday season. On the flip side, apparel and jewelry sales are expected to soften compared with the same period last year.

Both the restaurant and grocery sectors are expected to experience moderate growth of 3.4% and 3.1% year over year, respectively.