Financial access is used in practice and research as an important concept relevant to financial capability and financial well‐being. This study examines the literature on individual financial access and develops a conceptualization, definition, domains, and proposed items. Following a systematic conceptual review method, the review is based on 171 articles published during January 2012–August 2022 retrieved from Scopus and Dissertation and Thesis Global. Using grounded theory, data were coded related to financial access definition, concepts, measurement, and associated content. The domains identified were Mainstream Financial Products and Services, Institutional Practices of Available Mainstream Financial Service Providers, Individual Resources and Intrinsic Qualities and Abilities, and Individual Financial Action and Perceptions. Financial Products or Services Utilized by Social Programs to Provide Benefits was added. Study implications include the need to broaden the focus of policies and practices beyond ownership of financial products and services. Directions for future research are discussed.

中文翻译：

---

对金融准入的系统概念审查

财务准入作为与财务能力和财务福祉相关的重要概念在实践和研究中使用。本研究审查了有关个人财务准入的文献，并提出了概念、定义、领域和建议项目。采用系统概念审查方法，审查基于从 Scopus 和 Dissertation and Thesis Global 检索的 2012 年 1 月至 2022 年 8 月期间发表的 171 篇文章。使用扎根理论，对与金融准入定义、概念、测量和相关内容相关的数据进行编码。确定的域是主流金融产品和服务、现有主流金融服务提供商的制度实践、个人资源和内在素质和能力、和个人财务行为和看法。社会项目利用金融产品或服务提供福利加入。研究的意义包括需要将政策和实践的重点扩大到金融产品和服务所有权之外。讨论了未来研究的方向。