Financial exclusion creates barriers that prevent individuals and communities from accessing essential financial services. It leads to limited economic opportunities and hinders wealth building. People without access to banks or credit face challenges in saving money, making payments, and borrowing when needed. This exclusion deepens inequality and perpetuates cycles of poverty in society. Without access to loans or insurance, individuals are more vulnerable to financial shocks and emergencies. In communities, lack of financial services can stifle growth and limit investments in infrastructure and education. The impact of financial exclusion is far-reaching, affecting both the present and future well-being of individuals and communities.