Money sent home by migrants constitutes the second largest financial inflow to many people developing countries, exceeding international aid. Estimates of remittances to developing countries differ from International Fund for Agricultural Development's. Remittances contribute to economic growth also to the livelihoods of folks worldwide. This may have a negative effect on the sales of Xpoint products. Julie Palmer, a retail expert at Begbies Traynor, said retailers faced a particularly disappointing deal in the weeks following the apparent success of "black Friday" at the end of November.