One Possible Advantage of Korean Banks, Especially for People in Poverty

One possible advantage of Korean banks, especially for people in poverty or of various ethnic minority groups, is that

A) Korean banks make sure that they have people on staff from all over the world so that there are not as many language problems.
B) some groups, such as Latinos and African Americans, feel unwelcomed by American banks because these people may lack required identification and credit histories, but they feel welcomed by Korean banks.
C) Korean banks are more "liberal" in their interpretation of American banking laws.
D) People from impoverished ethnic groups feel more comfortable banking with Koreans, who share some of their problems fitting into American culture.