No access to banks? You mean if they have money and they want to put it in the bank the bank won’t take it? I find this hard to believe. I think they must mean that the banks aren’t giving these people any money. That is easier to believe.
I think they live in places where no banks are willing to operate. Too much crime, can’t protect their employees, can’t keep the banks from being robbed.
It also might mean that poor people can’t get loans, but that’s not an ‘access’ problem.