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Roles of bank and financial market in the economic process are strategic. It represents the heart of the national economic life and the nucleus of the economic survival around which other sectors are tangential. The centrality of the banking sector also makes the sector to attract much attention in any reform process (Olajide, Asaolu, & Jegede 2011). This financial market what is it.  It is a market in which people trade financial securities, commodities, and other fungible items of value at low transaction costs and at prices that reflect supply and demand. Securities include stocks and bonds, and commodities include precious metals or agricultural products. In economics, typically, the term market means the aggregate of possible buyers and sellers of a certain good or service and the transactions between them. The financial market is a broad term describing any marketplace where trading of securities including equities, bonds, currencies and derivatives occurs (investopedia.com). Security is key in financial market. Financial market face many challenges especially payment system and identity system. Identity of individuals in Nigeria is a general problem not only in financial market. Nana F. M. (2016) recommended that the use of BVN which was recently introduced in the banking system in Nigeria will help to fasten payment process.

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