Buy now, pay later firm Klarna (KLAR) has joined tech giant Google’s (GOOGL) Universal Commerce Protocol (UCP), which is an open standard that’s designed to help AI systems and shopping platforms work together more easily. The goal of UCP is to support the full shopping process, from finding products to paying and getting help after a purchase. This allows people to shop directly inside AI-powered chats, while giving merchants and payment providers a common way to connect across different AI tools.
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This announcement builds on Klarna’s earlier support for Google’s Agent Payments Protocol and strengthens the companies’ partnership. In fact, Klarna already works with Google across services like Google Pay, Google Store, Google Play, and Google Cloud. Taken together, these moves show how both companies are pushing for shared standards as artificial intelligence becomes more involved in how people shop online.
It is also worth noting that Klarna’s technology already helps millions of users by offering flexible payment options, fast approval decisions, and clear terms at checkout. As AI-led shopping grows, open standards like UCP are meant to make sure that shopping, payments, and support can work smoothly across different platforms. Google added that this type of industry cooperation is important to make AI-powered shopping practical at a large scale, while still keeping transactions secure and giving consumers more choice.
Which Stock Is the Better Buy?
Turning to Wall Street, out of the two stocks mentioned above, analysts think that KLAR stock has more room to run than GOOGL. In fact, KLAR’s price target of $44 per share implies 91.6% upside versus GOOGL’s 3.4%.
