Klarna Supports Google's Universal Commerce Protocol

AI Assistants Can Now Shop

A significant collaboration has been announced in the technology and finance world. Global digital bank and payment provider Klarna has announced it will support Google's Universal Commerce Protocol (UCP). This open standard aims to enable AI assistants to manage all shopping processes—such as discovery, purchase, and post-sale support—across different platforms.

The Era of 'Agentic Commerce' Begins

Google's UCP protocol essentially provides a language and communication framework for AI systems to conduct commercial transactions without human intervention. Klarna's integration into this ecosystem means AI assistants will be able to make automatic payments on behalf of users. Experts interpret this development as the beginning of a new phase in digital trade called 'agentic commerce'.

The protocol aims to establish a standard communication bridge between different e-commerce platforms, payment systems, and AI models. This way, an AI assistant instructed by a user will be able to research a product, compare prices, and securely complete its payment via Klarna.

Payment Security and Future Scenarios

In assessments on the topic, it is emphasized that with increased automation, payment security and user consent mechanisms will become even more critical. The involvement of a payment giant like Klarna signals that security and regulatory dimensions will be prioritized. The impact of such automated transactions on the labor market stands out as a separate topic of discussion.

It is being closely watched whether Google's UCP, promoted as an open standard, will be adopted by other major players in the industry. If it becomes widespread, a highly personalized and automated shopping experience integrated with AI could become a routine part of daily life.