Account numbers are very important. Every person will receive a bank account. The account number will be the NIN + a random 2 digit number. This will allow the customer to provide their NIN as a deposit only account. This assures that knowing the NIN will not endanger the account any. Since KNB is the only consumer bank in the nation, all account numbers for automatic payments will be issued a random 2 digits after the NIN. For example, a KNB bank number might be the NIN+93, where as a credit card account number will be NIN+47. This random distribution of account numbers are designed to make it as hard as possible for the bad actor to acquire a bank account number. Even if they do, KNB will not authorized withdrawals from the account number without the owner authorizing it.
Someone sending money to another person will just need to know the NIN. This is a deposit only number, and just by knowing the NIN does not grant access to take money out of the account. This is designed to keep bad actors from taking money out of the account just by knowing an account number. This is using the same philosophy that if you know I have $100, does not grant you access to my $100. The only way a bad actor can gain access to your money is by knowing your UID/Password combination. If the account holder setup 2FA, then knowing these two things does not help the bad actor. A 2FA code is required anytime a new device is trying to access the account. The best and all around solution is to acquire an KCI device, and use the K-Wallet app to hold the authenticator codes. The account owner will receive an email anytime the account was attempted through a new device. This allows the owner to change their password immediately.
This makes the banking system simply more secured than most other accounts. This is designed in such a way that being cashless does not have much friction. Sending money is easy through the KNB app which will be available for any of the major mobile OSes (Android/iOS/Kal-OS). People should be locking their phone, and use biometric to log into their KNB account. This means any device the app is installed on must have biometric support.