By leveraging its size and scale, Wal-Mart will be able to do in financial services what it does with retail items: undercut competitor pricing. The consensus is that Wal-Mart can easily afford to invest the time and money to educate the larger unbanked Latino community and can operate at a loss until the product is known and respected within the community. Big banks are well aware that the Latino community is quickly moving into the middle class within a generation of immigrating.