All financial entity should be operating with the BVN. There is no need to exempt any class of financial institution at all. The BVN could become the national identity and every Nigerian’s should have one. Then they can link it to a bank account if they chose to have a bank account. The problem of ghost workers is due to the fact that the government hasn’t really attacked the problem. where is the enforcement of the rules, the punishment of those that are involved in the past cases. someone in any government office or entity is approving and signing this salaries for this ghost workers. who is that person? and why haven’t they being arrested yet.