Access

“Effective access” does not only mean that there are financial products and services that are available but also encompasses four broader components as depicted in the diagram. Aside from physical access to financial products and services, these products and services must be appropriately designed, of good quality, and relevant to lead to actual usage that can benefit the person accessing the said service.

Source: http://www.bsp.gov.ph/downloads/Publications/2015/PhilippinesNSFIBooklet.pdf