Numerus Capital

Wall Street is taking notice. Investors are pouring capital into AI-driven technologies, seeing immense potential for growth and innovation. Companies leveraging AI are not only enhancing their productivity but also gaining a competitive edge in the market.

Key takeaways:

Investment Surge: Significant investments in AI technology are reshaping financial markets.

Productivity Boost: AI is enabling companies to optimize operations and reduce costs.

Innovation Driver: The integration of AI is fostering new business models and opportunities.

This revolution is more than just technological; it's a paradigm shift in how we approach business and industry. Embracing AI isn't just an option – it's a necessity for staying relevant and competitive in today's fast-evolving landscape.

Let's gear up for this exciting journey and explore how AI can transform our industries and lives!

AI Is Driving ‘the Next Industrial Revolution.’ Wall Street Is Cashing In. Old-school stocks in the utilities, energy and materials sectors are outpacing the wider market.

Check out this article suggesting that consumers are maxing out their variable rate credit card debt and struggling to pay it back - https://www.npr.org/2024/05/14/1251295805/credit-cards-debt-inflation

Talk to Numerus Capital regarding using customer financing to solve this problem for you and your customers to keep the sales pipeline flowing with new business. 312-953-1769

More Americans are falling behind on credit card bills Credit card delinquencies rose in the first three months of the year. That's a sign of the growing financial stress that some families are feeling in an era of rising prices and high interest rates.

Check out this article on the pullback of retails sales. Interesting to see how this plays out with the Fed's dilemma on rate cuts -

US Retail Sales Data and Consumer Economy Trends

Recent US retail sales data provides insights into consumer spending patterns and the overall health of the economy. Retail sales are a crucial indicator of economic activity, reflecting the strength of consumer demand, which accounts for a significant portion of GDP.

1. **Sales Performance**: Retail sales figures often reveal month-to-month and year-over-year performance, indicating trends in consumer behavior. Strong retail sales suggest robust consumer spending, which can drive economic growth. Conversely, weaker sales might signal economic slowdowns or shifts in consumer confidence.

2. **Sector Analysis**: Analysis typically breaks down performance across various retail sectors, such as automobiles, electronics, apparel, and groceries. This segmentation helps identify which areas are thriving or struggling. For example, increased spending on electronics might indicate technological trends, while declines in apparel sales could suggest changing consumer priorities.

3. **Economic Indicators**: Retail sales data often align with other economic indicators, such as employment rates, wage growth, and inflation. High employment and wage increases generally support higher retail spending, while inflation can erode purchasing power, affecting sales negatively.

4. **Impact of Interest Rates**: Interest rates set by the Federal Reserve influence consumer spending. Higher interest rates can lead to reduced spending on big-ticket items like cars and homes due to higher borrowing costs. Conversely, lower interest rates typically stimulate spending and borrowing.

5. **Market Reactions**: Financial markets closely watch retail sales data. Strong sales can boost investor confidence, leading to stock market gains, while disappointing sales may cause market declines. Retail sales are also considered when forecasting corporate earnings, particularly for companies in the consumer goods sector.

6. **Policy Implications**: Policymakers use retail sales data to gauge the effectiveness of economic policies and make adjustments as necessary. Strong retail performance might prompt the Federal Reserve to consider tightening monetary policy to prevent overheating, while weak sales could lead to more accommodative measures to stimulate growth.

Overall, retail sales data provide a snapshot of the economic landscape, offering valuable insights into consumer behavior, economic health, and future trends. Understanding these patterns helps businesses, investors, and policymakers make informed decisions.

April Retail Sales Disappoint. Consumers Are Pulling Back. Retail sales are unchanged in April, while economists had forecast an increase of 0.4%.

The landscape of payment technology is rapidly evolving, and recent developments involving Visa, Mastercard, and Apple Pay highlight the dynamic nature of this industry. Apple Pay has achieved a significant milestone, surpassing Mastercard in annual transaction value by processing $6 trillion. This puts Apple Pay over halfway to equaling Visa, showcasing the growing dominance of digital payment platforms over traditional credit card network.

Both Visa and Mastercard have been proactive in adapting to the changing fintech environment. They have increased their investment in fintech startups and innovation to maintain their competitive edge. Visa, founded in 1958, and Mastercard, founded in 1967, have responded to the challenges posed by high-growth payment companies like PayPal by ramping up research and development efforts and pursuing strategic acquisitions.

The digital payments market is projected to continue its robust growth, with significant contributions from major players like Alipay, Amazon Pay, Apple Pay, Tencent, Google Pay, First Data, Paypal, Fiserv, Visa, and Mastercard. The global digital payments market is expected to grow from $96.19 billion in 2022 to $197.87 billion by 2027, driven by the increasing adoption of contactless payments and the expansion of digital financial services.

Visa and Mastercard's efforts to stay relevant also include forming partnerships and exploring new technologies. For instance, both companies initially joined the Libra Association to develop Facebook's cryptocurrency project, though they later withdrew due to regulatory concerns. These initiatives reflect their strategy to stay at the forefront of payment innovation and meet the evolving needs of consumers and businesses.

In conclusion, the payment technology sector is witnessing significant shifts as digital platforms like Apple Pay rise in prominence, challenging traditional giants like Visa and Mastercard to innovate and adapt continuously. The future of payments looks increasingly digital, with a focus on enhancing user convenience and security through advanced technologies.

Changes from Visa mean Americans will carry fewer physical credit, debit cards in their wallets Visa has announced major changes to how its credit and debit cards will operate in the U.S. Features in the works will lead to Americans to carry fewer physical cards in their wallets and make the 16-digit credit or debit card number printed on every physical card increasingly irrelevant.

Join us at the Connected Leaders Academy's CLA GLOBAL Summit 2024, where you can learn, grow, and network with entrepreneurs from around the globe! 🌟

🗓 Dates: May 3-5, 2024
📍 Location: Hilton Rockville, 1750 Rockville Pike, Rockville MD 20852
🎟 Tickets are available now!

This Cinco de Mayo weekend, take your leadership skills to the next level with Todd Aaron as a silver sponsor. Don't miss out on the chance to connect and expand your horizons. Attending the event enables your business to get set up to offer customer financing to your clients to double your ability to close every sale up to $100,000 and eliminate lost sales and price objections.

Secure your spot! ➡️ [www.claglobalsummit.com](www.claglobalsummit.com)

🌿 **Revolutionizing Climate Action with AI and Plant Science**

Exciting developments at the Salk Institute show how artificial intelligence is revolutionizing our approach to climate change. Scientists are using AI to enhance the ability of plants to capture and store more carbon. The software, SLEAP, helps analyze and optimize plant root systems, making it possible to engineer plants that can significantly mitigate the impact of carbon in the atmosphere.

This groundbreaking work not only highlights the innovative uses of AI but also underscores the vital role of interdisciplinary approaches in solving global challenges. Let's celebrate these advancements that offer hopeful prospects for environmental sustainability.

🔗 [Read more about this innovative approach - https://phys.org/news/2024-04-artificial-intelligence-scientists-climate.html

Artificial intelligence helps scientists engineer plants to fight climate change The Intergovernmental Panel on Climate Change (IPCC) has declared that removing carbon from the atmosphere is now essential to fighting climate change and limiting global temperature rise. To support these efforts, Salk Institute scientists are harnessing plants' natural ability to draw carbon dioxi...

🚀 **E-commerce's New Wave: What It Means for Retail**

A groundbreaking shift is expected in the retail landscape over the next five years, driven by e-commerce innovation. Analysts predict that approximately 45,000 retail stores might close due to the growing dominance of online shopping platforms and major e-commerce players.

This significant transformation underscores the urgent need for retailers to adapt and embrace digital strategies. The rise of e-commerce platforms like Temu and the continued expansion of giants like Amazon and Walmart demonstrate a clear shift towards a digital-first approach in consumer shopping habits.

Retailers are encouraged to innovate and integrate seamless online and physical shopping experiences to stay competitive. This pivot is not just about surviving but thriving by tapping into the efficiency and personalized shopping experiences that e-commerce offers.

🔗 Learn more about the evolving retail dynamics at https://www.marketwatch.com/story/a-new-wave-of-e-commerce-disruption-could-close-45-000-retail-stores-over-the-next-five-years-analysts-say-d5310a60

A new wave of e-commerce disruption could close 45,000 retail stores over the next five years, analysts say UBS analysts have suggested that e-commerce isn’t done upending brick-and-mortar retail just yet.

📈 **Insightful Read: Understanding the Average Credit Score Across Age Groups**

The recent study highlights how credit scores evolve as Americans age, reflecting broader financial management behaviors and credit history length. Key points include:

- **Young Adults (Gen Z)**: Starting to build their credit, with average scores around 680.
- **Millennials**: Witnessing gradual increases, with averages at 690.
- **Generation X**: More established, holding an average of 709.
- **Baby Boomers & Silent Generation**: Show the highest averages, 745 and 760 respectively, underscoring a long history of credit use and financial responsibility.

The trends indicate that as people age, their credit scores generally improve, likely due to longer credit histories and more mature financial behaviors.

This comprehensive analysis not only sheds light on the correlation between age and credit scoring but also underscores the importance of credit health throughout different stages of life.

🔗 [Read the full article for a deeper dive into how these scores can impact financial decisions at each life stage.](https://www.cnbc.com/2024/04/27/average-credit-score-at-every-age-in-the-us.html)

It looks like there was a problem accessing the details of the article. However, based on your description, it seems that a Walmart-backed fintech company named "One" has introduced a Buy Now, Pay Later (BNPL) service. Here's a LinkedIn post draft based on the general topic:

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🚀 **Exciting News in Fintech!**

Walmart-backed fintech company, One, has just launched a Buy Now, Pay Later option, expanding choices for consumers and adding competitive dynamics in the payment solutions market. This new offering aims to provide flexible payment solutions that cater to the evolving needs of modern shoppers. Stay tuned as we follow how this impacts consumer spending and retail finance!



For further details, feel free to check out the article on CNBC at

www.cnbc.com

🚀 **Important Legislative Update from Colorado!**

Exciting developments in Colorado as Senate Bill 205, aiming to regulate generative artificial intelligence (AI), progresses through the legislative process. This bill seeks to introduce consumer protections in the rapidly evolving AI sector, requiring companies to inform consumers when AI is utilized and to implement safeguards against potential discrimination.

The bill's passage through the Senate Judiciary Committee, albeit amidst concerns from the tech community about stifling innovation, marks a significant step toward creating a framework for AI accountability. This legislation mirrors efforts in Connecticut, suggesting a movement towards unified national standards on AI usage.

As professionals in technology and policy, let's stay engaged with these developments to balance innovation with ethical considerations.

https://coloradosun.com/2024/04/25/colorado-generative-ai-artificial-intelligence-senate/

Colorado bill to regulate generative artificial intelligence clears its first hurdle at the Capitol Opponents of Senate Bill 205 say consumer-protection rules could stifle innovations in AI, but supporters say we need to start somewhere. The proposal is similar to another in Connecticut.

🚀 **Stripe Innovates with Decoupled Payment Solutions and Embedded Finance**

In a pivotal move, Stripe is transforming its service architecture by decoupling its renowned payment solutions from its broader financial services stack. This strategic shift is designed to enhance flexibility and accessibility for businesses of various scales, addressing a key friction point in their growth journey. Stripe's commitment to modularization is evident as it introduces an array of new AI-enhanced tools and features aimed at optimizing payment processes and fraud prevention. The unveiling occurred at Stripe's major developer event, Sessions, highlighting their continuous push towards innovating and adapting in a dynamic market.

This evolution marks a significant step in Stripe’s mission to streamline financial transactions and expand its service offerings independently, reinforcing its position as a leader in financial technology.

🔗 [Read more about Stripe's latest updates here]:(https://techcrunch.com/2024/04/24/stripe-doubling-down-on-embedded-finance-de-couples-payments-from-the-rest-of-its-stack/)

🚀 **Emerging Trends in AI and Implications of Regulatory Changes on Social Media**

In recent developments, the U.S. Senate has passed a bill potentially leading to the ban or forced sale of TikTok in the U.S., a move poised to reshape the social media landscape significantly. Meanwhile, the AI sector continues to thrive with startups like Perplexity AI gaining momentum through increased funding and strategic shifts in operations. This juxtaposition of tightening regulations and flourishing innovation presents a unique moment for professionals across industries to reflect on and engage with.

How do these shifts affect our strategies and the future landscape of digital engagement and technology? Let's delve into the dynamics of regulatory impacts and the unstoppable march of technological advancement. For a deeper dive into these developments, check out the full article on TechCrunch.

🔗 [Read the full article here]: https://techcrunch.com/2024/04/24/the-tiktok-ban-clears-key-hurdle-while-perplexity-ai-continues-to-shake-up-search/?guccounter=1&guce_referrer=aHR0cHM6Ly9uZXdzLmdvb2dsZS5jb20v&guce_referrer_sig=AQAAAKW0bH_KC5XJ-_7Udhsshx2jmzY6gb9f1biQxLtJ-uqv4SMfg4ng4XVgiTfjQrHxsX4-bMf1-t11wYMzcJdmCMwoj1wlLBdbRkS5CmgSFPWvOEmtvU21PlsUMWqb9gOqT4RKNERy-5otqWJoiOzC3uH0ZdLOoOPorWwONY6nKUd2

The TikTok ban clears key hurdle while Perplexity AI continues to shake up search | TechCrunch Today on Equity, the bill to ban TikTok awaits the president's signature, Perplexity AI raises capital for its AI search platform and Volition Capital expands.

📍 **Exciting News for Android Users!**

Android has launched its first-ever Airtag-style trackers! This innovative technology promises enhanced security and ease in locating personal items. Designed to integrate seamlessly with Android devices, these trackers represent a significant leap in personal technology, enabling users to keep track of their belongings effectively.

Stay tuned as we explore how these trackers work and the impact they could have on our daily lives!

https://www.techradar.com/phones/phone-accessories/android-phones-finally-get-their-first-airtag-style-trackers-heres-how-they-work?

Android phones finally get their first AirTag-style trackers – here's how they work Chipolo and Pebblebee are first out of the gate

It seems there was an issue accessing the detailed content of the article you mentioned. However, based on the URL and topic, Android phones are introducing their first Airtag-style trackers. These devices will likely function similarly to Apple's AirTags, helping Android users track and locate their personal items through Bluetooth technology and possibly leveraging large networks of devices to pinpoint lost items outside Bluetooth range.

For a precise update and deeper insights, you may want to check the article directly on TechRadar. Here's a LinkedIn post idea based on the general information available:

---

📍 **Exciting News for Android Users!**

Android has launched its first-ever Airtag-style trackers! This innovative technology promises enhanced security and ease in locating personal items. Designed to integrate seamlessly with Android devices, these trackers represent a significant leap in personal technology, enabling users to keep track of their belongings effectively.

Stay tuned as we explore how these trackers work and the impact they could have on our daily lives!

https://www.techradar.com/phones/phone-accessories/android-phones-finally-get-their-first-airtag-style-trackers-heres-how-they-work?

Android phones finally get their first AirTag-style trackers – here's how they work Chipolo and Pebblebee are first out of the gate

Everything these days is all about the data. It would be interesting for what make and model of running shoes does each marathon runner wear when competing. See this article to get a sense of that data: https://zurl.co/r5T2

These Are the Shoes That Ruled the 2024 Boston Marathon Everyone wants to know: what were the fastest shoes in the 2024 Boston Marathon? And who was wearing them?

🔒🛒 Ever thought about the security of your online subscriptions? Using a virtual card can be a game-changer! Virtual cards offer an extra layer of security by masking your real card details and providing unique card numbers that can be used specifically for online subscriptions.

This not only limits potential fraud but also gives you control over your subscriptions by allowing you to set spending limits and expiration dates on a per-service basis. Whether you're signing up for streaming services, software, or gym memberships online, consider a virtual card to keep your financial data secure and manage your subscriptions more effectively.

For more insights into why virtual cards are a smart choice for online subscriptions, check out this informative article: [CNET Article on Virtual Cards](https://www.cnet.com/personal-finance/credit-cards/advice/always-use-a-virtual-card-for-subscriptions-heres-why/).

Always Use a Virtual Card for Subscriptions. Here's Why Stop paying for subscriptions you forgot about. A virtual credit card makes canceling easy.

Frustrated by lost sales?

Surging economic signals and whispers of lower interest rates from the Federal Reserve Bank have banks buzzing again! While they're treading carefully around past financial hiccups, the tide is turning: more loan applications are getting the green light, and the pool of lenders gaining strength in the marketplace.

Dive into the opportunity wave—there's never been a better moment to explore offering customer financing options to your prospects to double your odds to close every sale.

Credit card and car loan delinquencies have hit their highest levels in over a decade, highlighting the increasing financial strain on American households. Explore the reasons behind this alarming trend and its implications for the economy and personal finances in the following analysis. If your business isn’t getting the approval/closed-sale rates on your customers’ credit applications to do business with you that you deserve, let’s fix that so you can accomplish more in less work.
https://www.marketwatch.com/story/credit-card-and-car-loan-delinquencies-are-at-their-highest-point-in-more-than-a-decade-eb6f605f

Credit-card and car-loan delinquencies are at their highest point in more than a decade Total U.S. household debt grew by roughly 1% in the fourth quarter to reach $17.5 trillion, New York Fed reported.

Do you discard a lead that costs you money that doesn't close because the buyer doesn't have the cash to purchase from you TODAY? If you answered yes, we should definitely talk as we provide up to 100% customer financing that solves that problem so you can close more sales and help more people.

Let's chat - https://calendar.numeruscapital.net/30min

I received this testimonial and thought I’d share it to help other people.

“I am so excited to share this with you because this solution has been a game changer for my business AND for my clients’ businesses. It has allowed me to serve more people, grow more businesses and increase cash flow. It is a true triple win!

How many times have you lost a potential new client because of budget? Because of timing? Because they didn't see the immediate need? The partner I'm introducing you to below has solved all of that for my business and for my clients as well. We are able to offer our clients a financing option for our services to allow them to move forward with us with confidence. And so can you! Check this out...

Numerus Capital specializes in eliminating lost sales and overcoming price objections when customers lack immediate purchasing power. Through their programs, businesses gain access to a marketplace of over 35 lenders via a single credit application, doubling their ability to close sales up to $100,000. This approach not only accelerates cash flow but also broadens your reach and enhances sales potential.”

Click here to learn more and schedule a consultation -
https://calendar.numeruscapital.net/15min

See the impact of what offering customer financing can accomplish for your business –
https://www.loom.com/share/8ba228a16b19478f919f550ea62d1b62?sid=d461fa2e-25a4-4de0-acbb-e71d76ba0989

https://www.youtube.com/watch?v=PWtb2kPxk38

Todd Aaron
Numerus Capital | www.numeruscapital.net

Numerus Capital – Numerus Capital Numerus Capital: Customer Financing Solutions for Businesses Numerus Capital has provided customer financing solutions to businesses for over 90 years. We help businesses increase their revenue by expanding their credit sales. We have facilitated hundreds of millions of dollars of customer finance t...

Interesting take on vs. -To-Own - both of which are high-interest rate options that feed into a cycle of debt

https://zcu.io/hVIs

-to-own

Lease-to-own fintech startup Kafene raises $18M to battle BNPL Kafene plans to use its new capital to increase its headcount so that it can continue to expand its offering to more merchants and thus, consumers.

Lenders across the board will be taking it on the chin as inflation and layoffs erode borrowers' ability to repay their debt. Here's an example from a new and well-capitalized entrant to the market.

https://zcu.io/x2Pg

Goldman’s Apple Card business has a surprising subprime problem Goldman's consumer business has had a bumpy ride as of late, marked by mounting losses, leadership turnover and missed product deadlines.

Interesting read on Macro Credit Card Debt By State: https://zcu.io/6MUe

Map: These are the states with the most and least credit card debt According to a study from WalletHub, the median average credit card debt per state varies across the country.

Good read on the Duopoly of Visa and Mastercard:

https://www.economist.com/finance-and #-economics/2022/08/17/can-the-visa-mastercard-duopoly-be-broken?utm_source=pocket_mylist

Can the Visa-Mastercard duopoly be broken? It is bad for American consumers and retailers—and it is under threat

Something hopeful in the news: https://zcu.io/CEBj

Wave-riding generators promise the cheapest clean energy ever Sea Wave Energy Ltd (SWEL) has been working for more than a decade on a floating wave energy device it calls the Waveline Magnet. With several prototypes tested on- and off-shore, the company claims it delivers "ultra low cost," with high output.

Big box retail: https://zcu.io/Jdt0

Amazon bought Whole Foods five years ago for $13.7 billion. Here's what's changed at the high-end grocer Since Amazon bought Whole Foods five years ago, it's added tech to streamline the in-store experience and expanded into more local goods.

Shopify fighting back: https://zcu.io/K0OP

-commerce

Shopify Tries To Fight Buy With Prime Shopify doesn't want merchants using Amazon's Buy with Prime. It is warning them that installing Buy with Prime removes Shopify's ability to protect against fraudulent orders and could lead to stolen customer data.