¿Qué beneficios ofrecen los pagos biométricos frente a los sistemas de pago tradicionales?

Well, this is the most common benefit that these transaction have over traditional forms of payments, the easier & hassle free way to pay!

Exploring the landscape of payment systems, one can't ignore the transformative benefits that biometric payments bring to the table. The seamless integration of personal attributes enhances security while streamlining the transaction process. The user-centric approach not only fortifies authentication but also simplifies the user experience, marking a significant leap from traditional methods. It's fascinating to witness how technology continues to redefine and elevate the way we conduct transactions.

- Safer (Can't rob you if you don't carry cash around) - Cheaper (No such transaction costs) - Faster (in a blink of eye) - Convenient (in a few taps from your phone) - Accountable (trails to manage your finances)

This is so beneficial as in biometric, we don’t have to remember our Pin and it is the most secure way of making payment. Nobody can copy your pin or make a wild guess and it is therefore one of the effective ways to make transactions.

Concordo, mas o acesso ao aplicativo deve ser tão rápido e prático quanto pegar o cartão na carteira. O acesso rápido pode ser entregue por Carteiras digitais que centralizam varios cartões, o app do banco e no futuro até através da Iniciação de pagamentos (escopo do Open Finance Brasil).

Biometrics make it harder for fraudsters to replicate or steal user credentials, as biometric data is unique to each individual and challenging to forge. Biometric data, being tied to physical characteristics, makes it less susceptible to identity theft compared to traditional methods where personal information can be compromised.

Dado que la autenticación biométrica está vinculada directamente al usuario, es más difícil para los criminales llevar a cabo transacciones no autorizadas.

One of the key advantages inherent in biometric payments lies in its ability to deliver an elevated standard of security and privacy for your invaluable financial data. Our esteemed users possess biometric features that are truly unparalleled, rendering them impervious to any attempts at replication, theft, or unauthorised sharing. In contrast to conventional methods such as cards, PINs, passwords, or signatures, biometric features possess an inherent advantage by being impervious to skimming, phishing, hacking, or fraudulent activities.

One must acknowledge that a third and equally significant advantage of biometric payments lies in its potential to enhance the overall customer experience and foster unwavering loyalty. Biometric payments present an unparalleled opportunity to revolutionise the payment experience, providing a level of personalisation and seamlessness that transcends the limitations of traditional methods. With biometric payments, the need to navigate between various devices, applications, or techniques becomes obsolete, empowering individuals to effortlessly embark on a journey of unparalleled convenience and efficiency.

. Biometric payments possess the remarkable ability to address the unique requirements and inclinations of individuals encountering obstacles or complexities with conventional payment systems. This includes esteemed members of society such as the elderly, the disabled, the illiterate, and the unbanked. Biometric payments have the potential to empower individuals by granting them access to previously unattainable or challenging financial services and opportunities. These include but are not limited to online shopping, digital banking, and cross-border payments.

Setting up the biometric infrastructures is costly. You can't use just any biometric set up without appropriate security measures. These days hackers are actively targeting biometric payment systems. We must keep this in mind. For green smart technologies such as clod computing with appropriate security measures, companies must be willing to invest heavily. Only then the ultimate goal of biometric payments will be achieved. Otherwise, it will be a nightmare for the customers using the system.

Life and product management is always about trade-offs. There are a lot of considerations with biometrics payments. Most of the benefits listed above lead to risks which must be mitiagted: - If a password is stolen you could change it. How would you manage if the biometric identify was stolen? - How would the system work if the user was being forced to use their biometric identify? Can you rely on just the biometric identify or would you look for anomalies in the transaction pattern. - Face id: Face scans can work from a distance. How would you ensure that the user actually was authorizing a payment and their face was not scanned without their permission or it is not happening under duress? It needs to be thought through in a lot of detail!