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;得会见;得进入

All the rooms have access to the Internet.

所有的房间都可以接入互联网tI@TyI&v@qdYh_。

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，私营部门就有很多钱可供开销.Pt^U;6HW,%IdpoNS&vr。