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“To get your NIN registration, you have to open a bank account with us. You need to put in at least N2,000 naira.” When the Hope PSBank employee makes this announcement on Thursday morning at 8:20 a.m., a sound of exasperation goes through the crowd. At least five people get up and leave. Over 30 Nigerians had been waiting in the parking lot of the online bank’s head office on Victoria Island for what they were promised would be a free registration of the National Identity Number (NIN); only to be told on site that the registration comes with strings attached.