Access to financial services refers to the ability of individuals and businesses to obtain essential financial products, such as bank accounts, loans, and insurance. This access is crucial for managing money, saving for the future, and investing in opportunities. It can vary significantly based on factors like location, income level, and education. Limited access to financial services can lead to economic challenges, as people may rely on informal lending or savings methods. Organizations like microfinance institutions and credit unions aim to improve access, especially in underserved communities, helping to promote financial inclusion and economic growth.