Global Advertising Strategies says ethnic minority spending spending on financial products and services will increase by 94% in next 4 years. More than 13% of the 105 mln households in the United States do not have any banking services. Among Americans who do not bank are immigrants, ethnic minorities, the youth, widows, divorcees without credit histories in their own names, and people who have filed for bankruptcy and are re-building their credit-worthiness.