Merritt Hummer Contributor Merritt Hummer is a partner at Bain Capital Ventures, where she invests in the fintech, e-commerce and proptech sectors. More posts by this contributor B2B marketplaces will be the next billion-dollar e-commerce startups In 2019, my colleague Matt Harris coined the term “embedded fintech” to describe how virtually all software-driven companies will soon embed financial services into their applications, from sending and receiving payments to enabling lending, insurance and banking services, an idea that quickly spread within the fintech community. Vertical apps such as Toast for restaurants, Squire…