A fresh snapshot on access to and use of many basic financial services gives an unflattering view of the Australian banking sector."Access has gotten worse [to] financial products and services," analysis by the Centre for Social Impact at the University of New South Wales concluded.  National Australia Bank co-produced the report, which was released on Friday.The overall level of financial resilience in Australia decreased from 2015 to 2016, the Centre said. "In 2016, 2.4 million adults were financially vulnerable and there was a significant decrease in the proportion who were financially secure," rising to 35.7 per cent from 31.2 per cent.Almost one in three adults (31.6 per cent) "had no savings or were just two pay packets (less than month of savings) away from serious financial stress if they were to lose their jobs," the Centre found.As in 2015, "almost one in two reported having less than three months of income saved (46.6 per cent and 45.5 per cent respectively)."The Centre estimated that "close to 2.4 million adults in Australia faced severe or high financial stress in 2016."On the bright side, though, "adults in Australia were better off in 2016 in terms of social connections and a higher proportion reported being able to raise money in an emergency."People with "only indirect access to a bank account" accounted for 2.7 per cent in 2016, compared with 1.2 per cent in 2015.Measures of "no access to any form of credit" and "no form of insurance" also shot up in the 2016 study. Summing up their conclusions, the Centre for Social Impact said the results showed that "while internal resources, such as people's levels of financial knowledge and behaviours have improved, external resources such as access to appropriate and affordable financial products and services have not."