<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"><url><loc>https://marketandtech.com/en/news/2026-10-23-marketing-target-academy-giftology/</loc><lastmod>2026-10-23T04:21:00+03:00</lastmod><news:news><news:publication><news:name>Market &amp; Tech</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-23T04:00:00+03:00</news:publication_date><news:title>Target turns gift choice into an “academy,” linking ads with its app, stores and Target Circle</news:title></news:news></url><url><loc>https://marketandtech.com/en/news/2026-10-23-ecom-klarna-consumer-fx-global-launch/</loc><lastmod>2026-10-23T08:02:00+03:00</lastmod><news:news><news:publication><news:name>Market &amp; Tech</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-10-23T08:02:00+03:00</news:publication_date><news:title>Klarna turns on buyer-currency payments across its network — with no new merchant integration</news:title></news:news></url><url><loc>https://marketandtech.com/en/news/2026-10-23-business-swiggy-instamart-profitability-gap/</loc><lastmod>2026-10-23T10:00:00+03:00</lastmod><news:news><news:publication><news:name>Market &amp; 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Tech</news:name><news:language>es</news:language></news:publication><news:publication_date>2026-10-23T04:00:00+03:00</news:publication_date><news:title>Target convierte la elección de regalos en una «academia» que une anuncios, app, tiendas y Target Circle</news:title></news:news></url><url><loc>https://marketandtech.com/es/news/2026-10-23-ecom-klarna-consumer-fx-global-launch/</loc><lastmod>2026-10-23T08:02:00+03:00</lastmod><news:news><news:publication><news:name>Market &amp; Tech</news:name><news:language>es</news:language></news:publication><news:publication_date>2026-10-23T08:02:00+03:00</news:publication_date><news:title>Klarna activa pagos en la moneda del comprador en toda su red, sin nueva integración comercial</news:title></news:news></url><url><loc>https://marketandtech.com/es/news/2026-10-23-business-swiggy-instamart-profitability-gap/</loc><lastmod>2026-10-23T10:00:00+03:00</lastmod><news:news><news:publication><news:name>Market &amp; Tech</news:name><news:language>es</news:language></news:publication><news:publication_date>2026-10-23T10:00:00+03:00</news:publication_date><news:title>Swiggy eleva sus ingresos un 36%, pero la pérdida EBITDA ajustada de Instamart alcanza ₹8.950 millones</news:title></news:news></url><url><loc>https://marketandtech.com/es/news/2026-10-24-sound-retail-sweetwater-nashville-mobile-studio/</loc><lastmod>2026-10-24T01:04:46+03:00</lastmod><news:news><news:publication><news:name>Market &amp; 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