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Business News

Google Launches a New AI Standard for Online Shopping

Google announced the launch of the Universal Commerce Protocol (UCP), a new open-source system designed to help retailers use AI across the entire shopping experience. UCP acts as a shared framework that connects product discovery, checkout, payments, and post-purchase support, so retailers don’t have to build and maintain separate tools for each step. The goal is to make AI-powered shopping easier to scale and more consistent, while giving businesses flexibility in how they use it. Google says the protocol will soon enable direct purchases inside its AI products, alongside new features like brand chat experiences and AI-triggered discounts, signaling a bigger push to become a central layer in how online commerce works going forward.

Credit Card Rate Cap Proposal Rattles Financial Stocks

Financial stocks fell Monday after Trump called for a one-year cap of 10% on credit card interest rates, a move that immediately pressured banks and card issuers most exposed to consumer lending. Shares of Capital One and Synchrony Financial led declines, while diversified banks and payment networks like Visa and Mastercard posted smaller losses; American Express also slid. Trump said the cap would take effect January 20, 2026, though it would require congressional approval. Supporters point to bipartisan interest in curbing fees, but critics warn the policy could shrink access to credit, reduce consumer spending, and force banks to pull back especially for borrowers with weaker credit—potentially reshaping rewards programs and pushing some consumers toward alternative lenders like buy-now-pay-later services.

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Tip of the Day

Optimize what already works before chasing something new.

Look at your top-performing offer, email, or channel and ask, “How can I get 10% more from this?” Small optimizations compound faster than starting from zero.