I previously worked in the fintech space, on a product that provided remittance services to multiple countries – people in America send money home to India, Mex

I previously worked in the fintech space, on a product that provided remittance services to multiple countries – people in America send money home to India, Mexico, more. The preferences among customers sending to each country were meaningfully different. These countries have differing economic climates, which means the people on the receive side have needs that are distinct among nations but fairly uniform among people within those nations. Similarly, people on the send-side tended to cluster into a handful of common industries (and therefore income brackets) depending on where they were sending to. Some demographics were, on average, high earners who were more rate sensitive than time sensitive. Others were lower earners who tended to send in emergencies and were time/delivery-sensitive more than rate sensitive. Those financial products don't look the same. And it would be a mistake to try and build the average of the two and underserve everybody because you don't want to "look racist" by intentionally accommodating the varied needs of your customers. It is a fact that many financial products have racist origins or overtones. Bank redlining has a dark history in America, and things like payday loans gouge customers who are desperate and unsophisticated. But that does not make it racist to build financial products that fit a specific customer segment's needs in a way that those same people find constructive and self-select into. I don't know which products you're speaking about specifically, but abstractly, a service that makes it easier and cheaper for hispanic people specifically to save money or provide for their families is a positive force in the world, IMO.