Biometrics is Dead, Long Live Mobile!

In my continuing crusade against greedy and self-serving biometrics vendors – which is absolutely NOT all of them – I figured I would give them a little taste of their own medicine with a ridiculous assertion in the title.

Of course biometrics isn’t dead [I believe it’s still in its infancy] and of course it will only continue to grow in distribution and influence. Its adoption will sky-rocket as mobile devices take over the world and IoT makes thinking for yourself redundant, and I for one am more than happy for it to spend time more in the sun.

What I cannot / will not accept from biometrics:

  1. Its growth at the expense of ANY other form of authentication (without appropriate justification),
    o
  2. Its false and irresponsible claims to its security, and;
    o
  3. Its blatant disregard for its ultimate benefactor; the mobile phone

Put to one side for a minute that not ONE legislation / regulation in payments actually requires biometrics (where “strong authentication” is primarily defined as 2-factor), and focus for a second on how biometrics has even made it as far as it has. Simply put, without the mobile phone, there would BE no biometrics in the mainstream.

It’s not like we would all carry around a separate device to perform biometric authentication, would we? No, we wouldn’t, so it’s only because biometrics is so readily available that we even consider it an alternative to passwords. That’s right, an ALTERNATIVE, and for the foreseeable future, one completely driven by consumer preference. No financial institution in their right mind will make biometrics mandatory, probably ever. I certainly wouldn’t.

So if the mobile phone is so all-powerful, why aren’t they attacking passwords? Simple, a) they have no need to, they are the dominant factor, and b) they are smart enough to realise that without the OTHER two factors they are not providing the best solutions possible.

In other words, they get it.

Rather a bleak picture, isn’t it? 1) not required for regulatory compliance, 2) will never be mandatory, only a consumer preference, 3) will never be suitable for some forms of authentication due to false ‘positives’, and; 4) it completely reliant on something else for its distribution. But even with all of this against it, I will embrace biometrics, in all its forms, if it provides me the convenience I crave, with ENOUGH security to transfer the risk to someone else (my bank for example).

And that’s really what it all boils down to; risk. A simple word but one completely misunderstood, and usually handled poorly. Bottom line; if the effort to steal something is greater than its value, it’s safe …enough. That’s all biometrics and passwords provide; security enough, and the amount of security you have to provide for a transaction is directly proportional to the value of the transaction.

For example, why would you use Apple Pay when it requires authentication that the contactless card does not? Is it more convenient? No. Does it provide more value-add services? No. Does it have anywhere near the distribution of plastic? No. Do YOU have to care about the security of contactless? No, you don’t.

Biometrics is, and will always be only a player in the game. While mobile holds most of the cards, any form of biometrics will be beholden to it, so they should play nice.

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