Thirty percent of Americans lack access to affordable banking services that can support them during difficult times. Unfortunately, the pandemic exacerbated this reality and the latest economic challenges only worsen the matter. Those who lost jobs during the pandemic became further unprepared for financial emergencies. Among laid-off workers, minorities, in particular, faced great financial management hurdles. Getting a loan when needed, such as buying a car or home, is impossible for many. According to the Consumer Finance Protection Bureau (CFPB), 1 out of 5 adults are “credit invisible” and hence ineligible for a loan, despite many who make regular rent…