Nowadays, the average use of fingerprints per person on smartphones are 52 times a day, in another pace, millennials use it 152 times a day. Biometric authentication has became a normal function in our daily lives and routines.

To unlock the smartphone, to verify a bank transaction among other applications, turns the biometric authentication an easy and fast method, making the enter a PIN old school. Due to Apple who made the insertion of biometrics back in 2013, allowing user to unlock the mobile by a simple touch.

The most used and widespread biometric is Fingerprint (63%) followed by Facial at 25% and Iris at 20%.

Biometrics seeping into payments

The following year after the insertion of biometrics on phones, Apple launched the ApplePay, what turns biometrics authentication in payments a convenient and safer way to our everyday transactions. This familiarization increased the acceptance of this method, what makes 82% of users ready to replace their PIN code with a fingerprint to card payments.

Perceived as a good thing to assure high security level, biometric usage for card payments is naturally stronger in countries where contactless payments are highly adopted. As contactless are capped at 30 EUR per transaction, 72% of users do want this limit to be rethought. Hence biometrics can offer a security level and also go beyond the current limit of transactions.

Biometric authentication enabling financial inclusion

India is on the top of the list for the use of biometrics. The technology is so widespread that government created a 1.3 billion users’ database with iris, facial and fingerprints templates. Citizens can benefit from different types of services as withdrawing cash without leaving home, how? Postman verify their identity by an handhold mobile device and once it’s done cash is handed out and the bank account is debited. This method is used by rural citizens which gives them a year-light of convenience with high security.

Other use case for developing countries is the distribution of social welfare payouts by means of a biometric card. Aided population would have to authenticate the card at a POS terminal and right away receive the pension.

This way solves two problems:  unauthorized persons accessing the pensions and pensions being distributed to deceased citizens and the most important, the need to attend physically to receive the payout, sometimes eligible citizens are located away from city centers and urban areas.

A bright future for biometric authentication in payments

In 2020, biometric authentication was about 1.2 billion consumers and it will raise up to 2.6 billion by 2023. It may be possible in a near future to pay through our biometric features in a car. The fast development of biometric technology will provide massive changes in worldwide consumption, by letting for example PIN code antiquated and taking over authentication for payments cards and other services.

Sources: https://www.idemia.com/news/biometrics-shaping-our-everyday-payments-2019-12-11
1 Variety, Are Americans Addicted to Smartphones?, 2019
2 Inc, The Surprising Reason Millennials Check Their Phones 150 Times a Day, 2017
3 Global study independently led by “Data 2 decisions” (Dentsu Aegis Network), encompassing 2,800 people in 11 countries, 2018
4 Goode intelligence, Biometric payments come to age

From November 26th to 28th, IDEMIA presents its solutions for managing populations at TRUSTECH. The company will also set out advanced option for secure passports and ID cards.

The IDway is not a simple Identity Management System, the solution was conceived by IDEMIA, the global leader in Augmented Identity, in order to provide better services for populations and governments. This robust management platform for identity will gather in a unique legal ID several interoperable components as Civil Registry, ID Card Registry, Passport Registry, etc. This ID will alleviate people’s ID recognition by public and private services, in person or online. All the data in the IDway is reliable and constantly updated, it means a unified system capable of deliver trusted credentials.

To make the solution, IDEMIA partnered with:

CIVIPOL, the technical cooperation operator of the French Ministry of the Interior;

DIGITECH, a leading provider of paperless Civil Registry solutions;

UNFPA, the United Nations Population Fund;

CARITAS, a confederation of 165 reliefs, development and social service organizations

The first deployment of IDway was held in Democratic Republic of Congo (DRC) through OSIA, open-standard Identity Management interface. One purpose, an identity for all from birth by 2030

At its 1st deployment led by IDEMIA and the institutions mentioned above, 2.4 million children were registered. World Bank aims now to produce 600,000 birth certificates and register 60% of children without registration at birth.

During Trustech, the Optical Machine Authentication was presented, it’s a secure and faster verification of passports and ID cards

By 2037, within 17 years, air travelers will hit an 8 billion figure, doubling the travelers’ flow of today. By means of this increase of people, borders control are already facing several challenges to fortify security measures of passport and other ID documents. All this measures seek to improve citizens’ board control and comfort whilst documents verification.

There are two optical machines that make easier the process of verifications. 1st: DocSeal, graphical seal to protect modifications and photo substitution and also forgery. 2nd: LASINK™, a color portrait laser engraved in a polycarbonate structure.

Source: https://www.idemia.com/news/idemia-presents-its-secure-document-and-identity-management-solutions-trustech-2019-11-26

 

Dear Partners,

We are pleased to inform you that we have recently released the following deliverables:

Firmware 1.5.0 for MorphoWave™ Compact

With the Firmware release 1.5.0, IDEMIA brings the power of Artificial Intelligence (AI) to MorphoWave Compact’s biometric engine: deep learning techniques are now used in conjunction with IDEMIA’s fundamental biometric technology principles to push again the boundaries of fingerprint identification.

MorphoWave Compact’s new AI-based embedded biometric engine delivers an 85% increase in matching speed, which translates to a 25% increase in throughput of over 50 people per minute per access point. The algorithms further increase matching accuracy, enable higher capacity (up to 100,000 users for one-to-many identification) and bring particular benefit when dealing with the most challenging fingerprints.

This release offers additional improvements (customization, webserver localization, user access schedule, etc.) and fixes. See the release notes for more details.

MorphoKit 5.25.0 for Windows, Linux and Android platforms

–         The Android package now supports the armeabi-v7a ARM embedded application binary interface

–         The Linux package now supports Ubuntu 18.04

–         The Android and Linux packages include a MultiFingerAcquisition Component for MorphoWave Compact.

Android QuickLoader Library V1.0.0 for CBM-V3/E3, MSO 1300 V3/E3 and MSO 1350 V3/E3

This .aar library can be integrated into customer application. It calls the QuickLoader app to upgrade firmware and allows silent upgrade.

Do you use contactless payment?

If you are used to contactless payment, the partnership to be described interests you. In the other hand, if you are not used, it’s an opportunity to know about this upcoming innovation.

Two  leading companies, IDEMIA and ZWIPE, in their respective segments, Augmented Identity and Payments Technology, have signed a partnership and distribution agreement for the development of a high tech disruptive payment platform. The companies are co-investing in this  platform combining biometrics and payment cards.

This shared vision between companies will significantly reduce the complexity and the cost of biometric payment cards, from design passing by operation and final production. The objective is to provide cutting-edge technology on payments with mass volume of cards. As a consequence the price related to biometric cards will drop considerably.

Technically, the number of components in the card will be reduced to ONE. A single chip will do the job of a secure element, a microcontroller and other thirty external components previously required on the PCB (Printed Circuit Board).

The biometric card allowing the replacement of 4 digits code to your fingerprint will take off after 2020. The new technology will be available in 2020, but high volume and affordability will happen in 2021.

One of the great impacts will be contactless payment without a maximum quote/ payment ceiling.

< This is a strategic, high profile project for IDEMIA. We are very excited about what this platform will enable in terms of market growth and the penetration of biometric payment cards. IDEMIA is delighted to partner with Zwipe, a company with a solid intellectual property portfolio and an expanding global customer network; we are confident that our new solution will command a leading position in the marketplace. >
Amanda Gourbault, Executive Vice-President for Financial institutions activities at IDEMIA

When the biometric card becomes available, Zwipe will have the right to commercialize it worldwide and provide to other manufacturers the solution in payment cards, wearables and other payment solutions. Idemia on its side has the ownership of the technology and will commercialize the FCODE solution, the already existing biometric card to Financial Institutions Customers.

Again Idemia is impacting the market with a disruptive solution, bringing the right partner to add value and drive a tremendous growth in biometric cards market.

<We are excited and proud to enter a significant partnership with IDEMIA, a prominent global industry leader. The platform represents a technological leap that will serve as a catalyst to enable full biometric payment card costs to come down significantly, driving mass volume market growth and complementing our current and future product portfolios. We look forward to bringing this platform to our customers to continue to shape the biometric payments industry.>
André Løvestam, CEO of Zwipe

Source:

https://www.idemia.com/press-release/idemia-and-zwipe-partner-offer-disruptive-biometric-payments-card-platform-2019-09-19

Authentication by biometric devices is a trend nowadays. Since it’s a new and convenient technology, customers worldwide are still discovering its simple and secured features which are being deployed everywhere.

  • It’s already in our routine

How do you unlock your smartphone? How many times per day?  Pin codes have been replaced by biometric authentication, in which fingerprint and facial scan are taking the lead. The offered convenience impacts directly  the way we interact with devices. For instance a person unlocks her/his smartphone 52 times per day on average, a teenager or millennial, 152 times a day. Beyond the practical side, the action itself is secured and allows the adoption of biometrics in other fields as people are getting more and more used. Facial, fingerprint, voice or iris are the main forms of biometrics in a daily basis deployment.

78% of global consumers have tried some form of biometric authentication.

If it’s impressive that 78% of global consumers have already tried some sort of biometric authentication, most of these users, 74%,  see the technology as a positive game changing which facilitates everyday lives.

63% of them have tried fingerprints

25% of them have tried facial biometrics

20% have used iris recognition

  • Convenience is better: no more PIN

The fear of identity theft was number 1 answer of global customers, 37% said that it would turn them off from using biometric technology. But the technology convenience would step ahead this feeling of fear. Instead of using a PIN for credit card, customers said it’s safer and more comfortable to store biometric data directly on their cards.

You will never forget your fingerprint.

Three major interests of consumers are checked by biometric technology: Security, convenience and privacy.

61% of global consumers have an average of more than 10 transactions a month using payment cards at physical stores/ merchants. We can consider that most part of them surpass 30 transactions. For these consumers, forgetting their card PIN is similar to a nightmare. In the last 18 months, 54% of global consumers have forgotten  their PIN code, to avoid this headache, 82% said they would replace normal PIN by biometric authentication while using credit cards.

One of the big advantages of biometric authentication is the unlimited ceiling for contactless payments, beyond the security and convenience it can offer. 72% of customers would accept a biometric card offering the three major concerns.

IDEMIA is on top of this technology and has been developing the FCODE card, which has an integrated fingerprint sensor. This fingerprint sensor allows a rapid verification of the biometric data stored in the card and the fingerprint presented when a contactless transaction happens. IDEMIA doesn’t store the biometric data or any information, it’s all stored in the credit card. Each consumer can handle his data with simple and easy enrolment solution.

82% of consumers worldwide are prepared to use fingerprint scan instead of classic pin

Other areas are already applying  biometric technology in order to simplify everyday tasks.

  • More than just payment cards

The biometric technology deployment continues in a global scale and consumers start realizing how beneficial it is to use. For example, 43% of global consumers would use a biometric card for a building access and 32% want the technology integrated to transportation pass.

43% of global consumers would like to use a biometric card to gain access to a secured building.

The future of these cards looks very promising, indeed – and we’re proud to be a part of it.

Find out more information on www.idemia.com