Visa survey data points to a significant shift in holiday shopping behaviour, with AI now embedded in everyday purchasing decisions. Nearly half of US consumers report using AI tools, mainly to discover gift ideas and compare prices more efficiently.
Digital currencies are also moving closer to the mainstream. More than one in four respondents would welcome cryptocurrency as a gift, while interest among Gen Z rises sharply. Expectations surrounding stablecoins are growing, with many consumers anticipating their wider adoption over the next decade.
Gen Z continues to lead adoption of digital-first commerce, favouring biometrics, social media shopping, overseas purchases and crypto payments.
Digital wallets are gaining parity with physical cards among younger shoppers, signalling a shift in payment method preferences.
Despite enthusiasm for new technologies, trust remains a central concern. Consumers still value human customer service and want clearer insight into how AI uses personal data, while concerns about online scams remain widespread during the holiday season.
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The US tech company OpenAI has rolled out a significant update to ChatGPT with the launch of GPT Images 1.5, strengthening its generative image capabilities.
A new model that produces photorealistic images using text prompts at speeds up to four times faster than earlier versions, reflecting OpenAI’s push to make visual generation more practical for everyday use.
Users can upload existing photos and modify them through natural language instructions, allowing objects to be added, removed, combined or blended with minimal effort.
OpenAI highlights applications such as clothing and hairstyle try-ons, alongside stylistic filters designed to support creative experimentation while preserving realistic visual quality.
The update also introduces a redesigned ChatGPT interface, including a dedicated Images section available via the sidebar on both mobile apps and the web.
GPT Images 1.5 is now accessible to regular users, while Business and Enterprise subscribers are expected to receive enhanced access and additional features in the coming weeks.
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Retailers face escalating cyber threats as hackers increasingly target customer data, eroding trust and damaging long-term brand value.
Deloitte warns that data breaches and ransomware attacks are becoming more frequent and costly, with some retailers facing losses reaching hundreds of millions, alongside declining consumer confidence.
The expansion of AI-driven personalisation has intensified privacy concerns, as customers weigh convenience against data protection.
While many shoppers accept sharing personal information in exchange for value, confidence depends on clear safeguards, transparent data use and credible security practices across digital channels.
Deloitte argues that leading retailers integrate cybersecurity into their core business strategy, rather than treating it as a compliance obligation.
Priorities include protecting critical digital assets, modernising security operations and building cyber-aware cultures capable of responding to AI-enabled fraud, preserving customer trust and sustaining revenue growth.
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Cybersecurity researchers are urging greater caution as Christmas approaches, warning that seasonal scams are multiplying rapidly. Check Point has recorded over 33,500 festive phishing emails and more than 10,000 deceptive social ads within two weeks.
AI tools are helping criminals craft convincing messages that mirror trusted brands and local languages. Attackers are also deploying fake e-commerce sites with AI chatbots, as well as deepfake audio and scripted calls to strengthen vishing attempts.
Smishing alerts imitating delivery firms are becoming more widespread, with recent months showing a marked rise in fraudulent parcel scams. Victims are often tricked into sharing payment details through links that imitate genuine logistics updates.
Experts say fake shops and giveaway scams remain persistent risks, frequently launched from accounts created within the past three months. Users are being advised to ignore unsolicited links, verify retailers and treat unexpected offers with scepticism.
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The US tech company, Oracle, has expanded Oracle Database@Google Cloud to India, making the service available through Google Cloud’s Mumbai region.
Enterprises can access Oracle Exadata, Autonomous AI Database and AI Lakehouse services while keeping data in the region to meet sovereignty and regulatory requirements.
The multicloud offering allows organisations to combine Oracle enterprise data with Google Cloud analytics and AI tools, including BigQuery, Vertex AI and Gemini models.
Customers can modernise applications and migrate mission-critical workloads without sacrificing performance, security or low-latency access.
Oracle Database@Google Cloud is available through the Google Cloud Marketplace, enabling customers to procure services via trusted partners instead of navigating complex contracting models.
Oracle and Google Cloud partners can also integrate the service into broader multicloud solutions.
The launch reflects growing demand for flexible multicloud architectures in India, supporting AI-driven innovation, advanced analytics and accelerated IT modernisation across regulated and data-intensive industries.
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The UK government has announced plans to bring cryptoassets firmly within the regulatory perimeter, aiming to support innovation while strengthening consumer protection and attracting long-term investment into the sector.
From 2027, cryptoasset firms will be regulated by the Financial Conduct Authority under rules similar to those governing traditional financial products, such as stocks and shares. The move is intended to provide legal clarity and increase confidence among consumers and businesses.
Ministers say that proportionate regulation will support innovation, ensure competitive markets, and strengthen the UK’s position as a global hub for digital assets. Enhanced oversight will boost transparency, aid sanctions enforcement, and help detect and tackle illicit activity.
The initiative forms part of a broader strategy to shape global crypto standards, including ongoing cooperation with the United States through the Transatlantic Taskforce, as the UK seeks to secure its role in the future of digital finance.
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Podcasts generated by AI are rapidly reshaping the audio industry, with automated shows flooding platforms such as Spotify, Apple Podcasts and YouTube.
Advances in voice cloning and speech synthesis have enabled the production to large volumes of content at minimal cost, allowing AI hosts to compete directly with human creators in an already crowded market.
Some established podcasters are experimenting cautiously, using cloned voices for translation, post-production edits or emergency replacements. Others have embraced full automation, launching synthetic personalities designed to deliver commentary, biographies and niche updates at speed.
Studios, such as Los Angeles-based Inception Point AI, have scaled the model to scale, producing hundreds of thousands of episodes by targeting micro-audiences and trending searches instead of premium advertising slots.
The rapid expansion is fuelling concern across the industry, where trust and human connection remain central to listener loyalty.
Researchers and networks warn that large-scale automation risks devaluing premium content, while creators and audiences question how far AI voices can replace authenticity without undermining the medium itself.
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The European Commission welcomed the decision by EU Member States to introduce a €3 customs duty on low-value e-commerce parcels arriving from third countries.
A measure, which enters into force in July 2026, that applies to items valued below €150 and aims to restore fair competition instead of allowing online imports to benefit from longstanding exemptions.
The move responds to the rapid growth of cross-border e-commerce shipments and will operate as a temporary solution until the EU Customs Data Hub becomes fully operational in 2028.
Until then, the Council and the Commission will coordinate legal changes and IT systems to ensure smooth implementation and effective customs supervision across the Union.
Once the Customs Data Hub is in place, a permanent customs duty regime will replace the temporary measure, offering authorities a comprehensive view of goods entering and leaving the EU.
The €3 duty applies only to parcels sent directly to consumers and remains separate from ongoing negotiations on a handling fee intended to offset the rising operational costs faced by customs authorities.
The reform builds on earlier Commission proposals to remove duty exemptions for low-value parcels and forms part of the most extensive overhaul of EU customs rules in decades.
European institutions argue that modernised customs controls are essential instead of relying on outdated frameworks, particularly as global e-commerce volumes continue to expand.
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OpenAI and BBVA have agreed on a multi-year strategic collaboration designed to embed artificial intelligence across the global banking group.
An initiative that will expand the use of ChatGPT Enterprise to all 120,000 BBVA employees, marking one of the largest enterprise deployments of generative AI in the financial sector.
The programme focuses on transforming customer interactions, internal workflows and decision making.
BBVA plans to co-develop AI-driven solutions with OpenAI to support bankers, streamline risk analysis and redesign processes such as software development and productivity support, instead of relying on fragmented digital tools.
The rollout follows earlier deployments that demonstrated strong engagement and measurable efficiency gains, with employees saving hours each week on routine tasks.
ChatGPT Enterprise will be implemented with enterprise grade security and privacy safeguards, ensuring compliance within a highly regulated environment.
Beyond internal operations, BBVA is accelerating its shift toward AI native banking by expanding customer facing services powered by OpenAI models.
The collaboration reflects a broader move among major financial institutions to integrate AI at the core of products, operations and personalised banking experiences.
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YouTube has introduced a new payment option for US-based creators, allowing them to receive earnings in PayPal’s stablecoin, PYUSD. The move adds another major tech company experimenting with crypto-linked payments, while simplifying the process for content creators.
PayPal manages the conversion and custody of the stablecoin, meaning YouTube does not directly handle any crypto. The feature uses YouTube’s existing payout system and follows PayPal’s broader PYUSD rollout earlier this year.
Stablecoins have gained attention among tech firms following the signing of the GENIUS Act in July 2025, which provides a federal framework for these assets. Stripe and Google are exploring stablecoins for faster settlements, reflecting rising interest in regulated digital payments.
PYUSD, which reached a market capitalisation of nearly $4 billion, is already integrated into several PayPal products, including Venmo and merchant tools. For now, the payout option is limited to US creators, with no timeline announced for expansion to other regions.
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