Google as a bank: credit card and financing for businesses

Google, as we know, has diversified its business in recent years through acquisitions and the launch of services beyond its core search engine.
Today, it is reported that Google is poised to enter the finance sector, much like a bank. According to reports from the “Financial Times“, Google is preparing to roll out credit cards specifically for businesses.
This initiative, developed in collaboration with Barclays, would enable the use of the credit card solely to finance AdWords campaigns by companies interested in online advertising through Google’s platform.
The advantage for businesses would be that Google would offer loans for AdWords usage at rates lower than the average recorded for other credit cards from existing banking circuits.
The idea of financing Google advertising in this way likely stems from the observation that, during periods of crisis such as the current one, companies tend to cut back primarily on advertising.

However, by presenting a more convenient solution, Google likely hopes to not only gain advertising revenue but, more importantly, to retain clients who might otherwise be less consistent in investing in advertising due to a lack of liquidity in this area.
The reported initial interest rate ranges between 8% and 9%, for loans that can go from a minimum of $200 to a maximum of $100,000.
By doing this, Google would indeed anticipate funds, effectively granting a loan, but with the certainty that the disbursed sum would always be reinvested within the Google ecosystem itself.
Will this be the future of online business for the major players in the sector?