Connect with us

Lifestyle

Visa wants to give artificial intelligence ‘agents’ your credit card

Published

on


Artificial intelligence “agents” are supposed to be more than chatbots. The tech industry has spent months pitching AI personal assistants that know what you want and can do real work on your behalf.

So far, they’re not doing much.

Visa hopes to change that by giving them your credit card. Set a budget and some preferences and these AI agents — successors to ChatGPT and its chatbot peers — could find and buy you a sweater, weekly groceries or an airplane ticket.

“We think this could be really important,” said Jack Forestell, Visa’s chief product and strategy officer, in an interview. “Transformational, on the order of magnitude of the advent of e-commerce itself.”

Visa announced Wednesday it is partnering with a group of leading AI chatbot developers — among them U.S. companies Anthropic, Microsoft, OpenAI and Perplexity, and France’s Mistral — to connect their AI systems to Visa’s payments network. Visa is also working with IBM, online payment company Stripe and phone-maker Samsung on the initiative. Pilot projects begin Wednesday, ahead of more widespread usage expected next year.

The San Francisco payment processing company is betting that what seems futuristic now could become a convenient alternative to our most mundane shopping tasks in the near future. It has spent the past six months working with AI developers to address technical obstacles that must be overcome before the average consumer is going to use it.

For emerging AI companies, Visa’s backing could also boost their chances of competing with tech giants Amazon and Google, which dominate digital commerce and are developing their own AI agents.

The tech industry is already full of demonstrations of the capabilities of what it calls agentic AI, though few are yet found in the real world. Most are still refashioned versions of large language models — the generative AI technology behind chatbots that can write emails, summarize documents or help people code. Trained on huge troves of data, they can scour the internet and bring back recommendations for things to buy, but they have a harder time going beyond that.

“The early incarnations of agent-based commerce are starting to do a really good job on the shopping and discovery dimension of the problem, but they are having tremendous trouble on payments,” Forestell said. “You get to this point where the agents literally just turn it back around and say, ‘OK, you go buy it.’

Visa sees itself as having a key role in giving AI agents easier and trusted access to the cash they need to make purchases.

“The payments problem is not something the AI platforms can solve by themselves,” Forestell said. “That’s why we started working with them.”

The new AI initiative comes nearly a year after Visa revealed major changes to how credit and debit cards will operate in the U.S., making physical cards and their 16-digit numbers increasingly irrelevant.

Many consumers are already getting used to digital payment systems such as Apple Pay that turn their phones into a credit card. A similar process of vetting someone’s digital credentials would authorize AI agents to work on a customer’s behalf, in a way Forestell says must assure buyers, banks and merchants that the transactions are legitimate and that Visa will handle disputes.

Forestell said that doesn’t mean AI agents will take over the entire shopping experience, but it might be useful for errands that either bore some people — like groceries, home improvement items or even Christmas lists — or are too complicated, like travel bookings. In those situations, some people might want an agent that “just powers through it and automatically goes and does stuff for us,” Forestell said.

Other shopping experiences, such as for luxury goods, are a form of entertainment and many customers still want to immerse themselves in the choices and comparisons, Forestell said. In that case, he envisions AI agents still offering assistance but staying in the background.

And what about credit card debt? The credit card balances of American consumers hit $1.21 trillion at the end of last year, according to the Federal Reserve of New York.

Forestell says consumers will give their AI agents clear spending limits and conditions that should give them confidence that the human is still in control. At first, the AI agents are likely to come back to buyers to make sure they are OK with a specific airplane ticket. Over time, those agents might get more autonomy to “go spend up to $1,500 on any airline to get me from A to B,” he said.

Part of what is attracting some AI developers to the Visa partnership is that, with a customer’s consent, an AI agent can also tap into a lot of data about past credit card purchases.

“Visa has the ability for a user to consent to share streams of their transaction history with us,” said Dmitry Shevelenko, Perplexity’s chief business officer. “When we generate a recommendation — say you’re asking, ‘What are the best laptops?’ — we would know what are other transactions you’ve made and the revealed preferences from that.”

Perplexity’s chatbot can already book hotels and make other purchases, but it’s still in the early stages of AI commerce, Shevelenko says. The San Francisco startup has also, along with ChatGPT maker OpenAI, told a federal court it would consider buying Google’s internet browser, Chrome, if the U.S. forces a breakup of the tech giant in a pending antitrust case.



Source link

Continue Reading
Click to comment

Leave a Reply

Your email address will not be published. Required fields are marked *

Lifestyle

Pope Leo XIV’s fashion choices draw excitement and scrutiny

Published

on


VATICAN CITY (AP) — When Pope Leo XIV stepped out on the central loggia of St. Peter’s Basilica to greet the crowd for the first time after his May 8 election, liturgical fashion aficionados around the globe took note: Gone was the simple white cassock and silver cross favored by Pope Francis. Back was the red satin mozzetta shoulder cape, the burgundy stola with gold embroidery and a gold cross held by a double-stranded silken gold cord.

Over Leo’s first few weeks, the excitement grew among liturgical fashion-conscious Catholics as they noticed new additions to the wardrobe, or rather a return to the old additions of the papal wardrobe: cufflinks, white pants, lace.

After Francis’ revolutionary papacy, Vatican watchers are now wondering if Leo’s return to the past sartorial look means a return to the past on other things too, including more substantial policy issues. But for tailors at the elite handful of liturgical tailoring shops in Rome, there is hope that Leo’s return to the fancier garb of popes past will mean a boon to business if Leo’s traditional look has a trickle-down effect from the pope to priests and all those in between.

The style is a return to form

According to the Rev. John Wauck, professor of church communication at the Pontifical Holy Cross University in Rome, Leo’s clothing choices are a “return to form,” and his attire similar to that worn by Pope Benedict XVI, Pope John Paul II and other popes going back to the middle ages.

They show “a respect for tradition,” he said.

Such respect for the papal office is important for many conservative Catholics. Many conservatives and traditionalists soured on Francis’ informal style and disdain for tradition, which reached its pinnacle with his his crackdown on the old Latin Mass. The old liturgy was celebrated before the modernizing reforms of the 1960s Second Vatican Council; Francis greatly restricted access to the old liturgy, saying it had become a source of division in parishes.

Leo has shown strong familiarity with Latin, and has taken to singing the Sunday noontime prayer in Latin. Some traditionalist Catholics are hoping Leo will take the pro-Latin path even further and reverse Francis to allow greater use of the traditional Latin Mass.

Massimo Faggioli, professor of theology at Villanova University, where Leo went to college, said it’s too early to tell if Leo will reverse Francis’ reform.

“It remains to be seen if Leo’s more traditional attire and liturgical style means that he will change Francis’ strong decisions limiting the so-called ‘Latin Mass,’” he said.

That said, Faggioli said U.S. conservatives seems particularly happy with Leo’s traditional attire, given Francis’ disdain for the fashion pomp of the papacy.

“In this sense, Francis might have been a parenthesis or an interlude, more than a changer of the tradition in ‘papal style,’” he said in an email.

Leo has made other changes, too

At his inaugural Mass on May 18, 2025, Pope Leo XIV reached out his arm to sprinkle holy water and revealed a shirt with cufflinks, which Francis had largely avoided. He was also wearing an amitto, and an alb held in place by a cingulum. For the non-experts, the amitto is a lacy linen cloth that goes around the neck, the alb is the white tunic worn under the ceremonial vestment, and the cingulum is a braided rope with tassels that serves as a belt.

If it weren’t for photographers’ long lenses relentlessly trained on the pope’s every gesture, Leo’s switch from Francis’s standard black pants to more traditional white papal trousers would have gone completely unnoticed.

In addition to the clothing changes, Leo has returned to some other traditions of the Vatican that Francis eschewed.

He has shown himself willing to accept the traditional “baciamano” or kissing of his ring. Francis disliked having his ring kissed and often pulled his hand away if someone tried to kiss it.

“I think that what we see with Pope Leo is a willingness to embrace tradition, even if it risks seeming perhaps more formal than Pope Francis,” Wauck said. The idea is that “seeing that tradition as a treasure to be conserved and embraced as opposed to something that makes one feel perhaps a little bit standoffish.”

It remains to be seen whether Leo will move into the papal apartment in the Apostolic Palace, which stood empty during the 12-year Francis papacy. Francis shocked the world by choosing to live in a small room at the Santa Marta residence at the Vatican, eating his meals in the common dining room.

For the Rev. Castro Prudencio, this is all much ado about nothing. “For Pope Francis it was simplicity. Always. And Pope Leo has taken up what Pope Benedict had and many others. That is what the church is like,” he said.

___

Associated Press religion coverage receives support through the AP’s collaboration with The Conversation US, with funding from Lilly Endowment Inc. The AP is solely responsible for this content.



Source link

Continue Reading

Lifestyle

TikTok star Khaby Lame plays soccer in Brazil after US detention

Published

on


SAO PAULO (AP) — Khaby Lame, the world’s most-followed TikTok personality who left the U.S. after being detained by immigration agents, went to Brazil where he’s been spending some time with friends, local authorities said Thursday.

Lame is staying with AC Milan player Emerson Royal, and has been enjoying time with local fans, Paulo Eduardo Dias Junior, a city councilman from Americana, about 78 miles (125 kilometers) northwest of Sao Paulo, told The Associated Press.

On Wednesday night, they played a friendly soccer match with locals.

Lame left the United States after being detained on June 6 by immigration agents at Harry Reid International Airport in Las Vegas for allegedly overstaying his visa. The Senegalese-Italian influencer, whose legal name is Seringe Khabane Lame, was allowed to leave the country without a deportation order, according to a statement from U.S. Immigration and Customs Enforcement.

Junior organized Wednesday’s match on behalf of the nonprofit he leads, Instituto Jr Dias. He said that Lame and Royal’s participation helped collect 150 food baskets for vulnerable families.

“Emerson Royal is a role model for the children in our community, and so is Khaby, who is globally known through social media. He’s a sensation among kids today,” Junior said. “He had a lot of fun with the kids and played a lot.”

The councilman said that the team that Lame and Royal were on won 3-1. Everything went smoothly, he added, except for the post-match celebration. As is tradition in Brazil, players gathered for a barbecue. But Lame preferred a parmegiana, so they took him to a local restaurant, Junior said.

This is not Lame’s first time in Brazil. Last year, he traveled to the country to attend Royal’s wedding.

Met Gala and then detention

Lame arrived in the U.S. on April 30 and “overstayed the terms of his visa,” an ICE spokesperson told the AP, which sent a message seeking comment Tuesday to the email address listed on Lame’s Instagram account. He hasn’t publicly commented on his detention.

His detention and voluntary departure from the United States comes amid U.S. President Donald Trump’s escalating crackdown on immigration, including raids in Los Angeles that sparked days of protests against ICE, as the president tests the bounds of his executive authority.

A voluntary departure — which was granted to Lame — allows those facing removal from the U.S. to avoid a deportation order on their immigration record, which could prevent them from being allowed back into the U.S. for up to a decade.

The 25-year-old Lame rose to international fame during the pandemic without ever saying a word in his videos, which would show him reacting to absurdly complicated “life hacks.” He has more than 162 million followers on TikTok alone.

The Senegal-born influencer moved to Italy when he was an infant with his working class parents and also has Italian citizenship.

His internet fame quickly evolved. He signed a multiyear partnership with designer brand Hugo Boss in 2022. In January, he was appointed as a UNICEF goodwill ambassador.

Last month, he attended the Met Gala in New York City, days after arriving in the U.S.

___

Follow AP’s coverage of Latin America and the Caribbean at https://apnews.com/hub/latin-america



Source link

Continue Reading

Lifestyle

Tips for getting along when college grads move back home

Published

on


NEW YORK (AP) — A shaky economy. Overwhelming student debt. Few job prospects. Some recent college graduates have a burdensome mountain of reasons to move back home. For others, the choice may be easy as they seek to save money, or desire the physical and emotional comforts of family.

But the familiar may feel different with the changing dynamics that come with growing up. One thing is certain: If you’re a new grad or the parents of one, you’re not alone in navigating new terrain.

Maturity and respect among all parties is a good place to start before those packing boxes arrive. So is having a clear path forward. Consider these tips for making it all work.

Set clear expectations early

Richard Ramos, a parenting trainer and author of “Parents on a Mission,” urges parents and their young adult children to break from their traditional roles.

For parents, shift from authority to ally.

“You’re no longer parenting a teenager. You’re relating to an emerging adult. Move from ‘manager’ to ‘mentor.’ Offer guidance, not control. Maintain your home as a launchpad, not a landing strip for them to get too comfortable in,” he says.

Grads, come home with humility.

“You may have a degree, but you’re still under your parents’ roof,” Ramos says. “Show appreciation. Contribute to the household. Asking before assuming you can simply take shows your growth as a young adult. Honor the space they’ve made for you.”

Drill down to specifics

As a counselor and parent, Veronica Lichtenstein knows firsthand what Ramos means. Her 26-year-old son has been living at home for two years since graduation to save money for his first house.

“I’ve learned that clear, collaborative boundaries are the foundation of harmony,” she says.

Lichtenstein has lots of practical advice, starting with a “living contract” created cooperatively.

“His proposed terms became the starting point for negotiation. This empowered him to take ownership while ensuring mutual respect. The final signed agreement covered everything from chores to quiet hours,” she says.

Common areas must be left clean, for example, and advance notice is required if he plans group gatherings.

“Emphasize that this is a temporary, goal-oriented arrangement,” Lichtenstein says. By that, she means: “We’re happy to support you for 12 months while you save X dollars.”

Regular check-ins keep everyone accountable.

Crystalize chores and shared resources

Amy McCready is the founder of PositiveParentingSolutions.com and author of “The Me, Me, Me Epidemic — A Step-by-Step Guide to Raising Capable, Grateful Kids in an Over-Entitled World.”

She suggests setting expectations when it comes to shared resources.

“If they’ll be driving your vehicle, be clear about when it’s available, who pays for gas or maintenance, and what responsibilities go with the privilege,” McCready says. “Use ‘when-then’ phrasing to keep things respectful and direct: When your responsibilities are done, then the car is available.”

If conflict arises, it’s often because everyone reverts to old roles and old rules, she says. “Pause and ask, ‘Are we interacting like we did when they were 17?’”

Then reset with intention.

What about special guests?

Parents need to decide if conjugal visits for resident adult children are something they’re comfortable with. Such overnight visits with romantic partners can be tricky, McCready notes.

“If overnight visits aren’t something you’re OK with, it’s completely appropriate to set that boundary,” she says. “You might say, ‘We’re so glad you’re here, and we want everyone to feel comfortable. For us, that means no overnight guests while you’re living at home.’”

Parents can ask to be told ahead of time if their grad plans to sleep elsewhere.

Parents, be careful not to judge

Eric Wood, director of the Counseling & Mental Health Center at Texas Christian University, says parents should check in on their frustrations over the new living scenario. Their graduate might feel embarrassed and worry that they’re a burden.

“Don’t judge, especially with the current job market and recent global events. It’s important not to be critical of a graduate who must return home,” he says. “Just like we advise incoming college students not to rush into a certain academic major, it’s more important not to rush into an entry career position. Establishing a solid trajectory for a successful and happy career is the priority.”

Wood said the new mantra for parents should be: Support, but don’t problem solve when it comes to fully launching a grad.

“It’s important for the parent or family member not to act as if they are trying to solve a problem,” he says. “Doing so will only send a message that the graduate is a problem and could lead to conflicts.”



Source link

Continue Reading

Trending