"It may now be less necessary for Americans to rely on a bank to succeed financially. As e-commerce grows and digital products become more available, embedded finance has become an option for consumers and companies. Embedded finance comprises non-financial companies offering financial products and services. These products and services can include debit cards, payment programs, accounting software, etc.  An example of embedded finance in action is how Uber now offers its drivers a debit card where the money they make on the app can be put on an Uber debit card, circumventing a traditional banking institution for its drivers. "