1. And it means too few people, especially in poorer households, have access to cheap and simple financial tools.
have access to 得接近;得會見;得進入
All the rooms have access to the Internet.
所有的房間都可以接入互聯網
。2. By contrast, China’s big fintech firms charge below 0.5%.
by contrast 相比之下
The private sector, by contrast, has plenty of money to spend
相比之下,私營部門就有很多錢可供開銷
。