I have noticed that many northerners even in lagos don't bank accounts.
There could be many reason for this.
1. I suspect that they are hiding their true identities as many of them are Boko Haram members who deserted the Islamic sect and don't want to exposed because it means death .

2. Many of them are Boko Haram members hiding among the local people.

3. They are foreigners without proper identities. They only come in Nigeria for businesses, election purposes, census etc

What is your own reasons for this . Pls share.

The northerners in the north have bank account.

Your 3rd point seems legit. Most of the ones you see in Lagos are intruders. Ask them where in north dey come frm and 80% tells you Sokoto. Ask which LG, and they r mute except the ones wey plan d lie well.

U won't hear dem mention Niger, Gombe, Kebbi even Kano. They are from other neighboring countries close to Sokoto especially. They wont mention Borno coz na Chad close to those ones and mere looking at those ones, u will know this aint a Nigerian. Crystal Clear.

Them many for Kano and Kaduna. They have no identity. They cant even speak hausa in clear forms.