The process to open an account is too much and too long, I have put bvn, nin, international passport, face, everything to let you know I am a real person and you are still asking for reference, please instead of asking for all try and make some optional or put at least 3/5 or 4/5, once I reached reference I gave up because how do you expect me to print that letter out and still get everything done right away, haba