jerry uwah is a finance and businessjournalist, familiar with the problem of pension fraud.people like mrs ewa and mr 0gah. what happens is that somebody will add names of non—existent pensioners. that one goes to him — the people at the top. it's not something at the grassroots. the people at the top. they will pay those ghost pensioners immediately, and the money goes into their pockets. it's not something a clerk can do, because it would be discovered. it's right up there. so, how can states tackle the problem of ghost pensioners? hello, nice to meet you. kolawole 0luwadare is the deputy director of serap, organisation that advocates for more transparency in government. he says technology should be available to identify them. if we have an id system that is robust and covers everyone, why can't payments be done electronically? why do they have to come physically, coming great coming to those staying in remote areas. and these are very poor people, by the way. but even if you don't have advanced technology, it still shouldn't take weeks, months, or years to work out who is