You can rarely find a Nigerian adult without a bank account, even if they aren't using it frequently they still have a bank account and as Bitcoin hasn't yet been fully adopted you may just need a bank account to make daily purchase.
I wouldn’t say rarely, it all depends on where you are looking or the kind of people you look at. Many people especially those way from the 80s and them no been really Dey opportune to leave for urban areas and few persons from the 90s and early 200s, those way no really get roof over their head but, fine way come urban areas to come find hustle, these guys no get time for banks o. Them no sabi that kind thing, na to hold their money for hand or do small piggy bank be there own.
Plenty people cef, na this fintech banks don open them up to the idea of banking.