Roedd arolwg yr FCA yn adeiladu ar dystiolaeth sylweddol, ddiamheuol a chynyddol, gan gynnwys tystiolaeth o adroddiad pwyllgor Economi, Seilwaith a Sgiliau’r Senedd yn 2019, 'Mynediad at Fancio', a ddaeth i'r casgliad bod system bancio manwerthu'r DU yn golygu, yn gyffredinol, nad oes digon o wasanaethau bancio, na digon o gyngor a chymorth ariannol priodol, ar gael i lawer o bobl. Mae diffyg mynediad o'r fath yn peryglu gallu llawer o unigolion a chymunedau, a llawer o fusnesau sy’n rhan o’r economi sylfaenol, i fod yn gydnerth, yn enwedig ar drothwy’r adferiad ar ôl y pandemig.
The FCA survey built upon significant, compelling and growing evidence, including from the 2019 Senedd EIS committee report on ‘Access to Banking’, that concluded the UK retail banking system, in the round, leaves many with inadequate access to appropriate banking services, financial advice and support. Such a lack of access, puts at risk the ability of many individuals, foundational economy businesses and communities to develop resilience, especially as we emerge into post pandemic recovery.