Banking access refers to the ability of individuals and businesses to use banking services, such as opening accounts, making deposits, and obtaining loans. It is essential for managing finances, saving money, and participating in the economy. Factors affecting banking access include location, income level, and availability of technology. Limited banking access can lead to financial exclusion, where people cannot benefit from essential services. This can impact their ability to save, invest, or secure credit. Efforts to improve banking access often focus on expanding services to underserved communities and promoting digital banking solutions, such as mobile banking apps and online accounts.