Search
00
GBAF Logo
trophy
Top StoriesInterviewsBusinessFinanceBankingTechnologyInvestingTradingVideosAwardsMagazinesHeadlinesTrends

Subscribe to our newsletter

Get the latest news and updates from our team.

Global Banking & Finance Review®

Global Banking & Finance Review® - Subscribe to our newsletter

Company

    GBAF Logo
    • About Us
    • Advertising and Sponsorship
    • Profile & Readership
    • Contact Us
    • Latest News
    • Privacy & Cookies Policies
    • Terms of Use
    • Advertising Terms
    • Issue 81
    • Issue 80
    • Issue 79
    • Issue 78
    • Issue 77
    • Issue 76
    • Issue 75
    • Issue 74
    • Issue 73
    • Issue 72
    • Issue 71
    • Issue 70
    • View All
    • About the Awards
    • Awards Timetable
    • Awards Winners
    • Submit Nominations
    • Testimonials
    • Media Room
    • FAQ
    • Asset Management Awards
    • Brand of the Year Awards
    • Business Awards
    • Cash Management Banking Awards
    • Banking Technology Awards
    • CEO Awards
    • Customer Service Awards
    • CSR Awards
    • Deal of the Year Awards
    • Corporate Governance Awards
    • Corporate Banking Awards
    • Digital Transformation Awards
    • Fintech Awards
    • Education & Training Awards
    • ESG & Sustainability Awards
    • ESG Awards
    • Forex Banking Awards
    • Innovation Awards
    • Insurance & Takaful Awards
    • Investment Banking Awards
    • Investor Relations Awards
    • Leadership Awards
    • Islamic Banking Awards
    • Real Estate Awards
    • Project Finance Awards
    • Process & Product Awards
    • Telecommunication Awards
    • HR & Recruitment Awards
    • Trade Finance Awards
    • The Next 100 Global Awards
    • Wealth Management Awards
    • Travel Awards
    • Years of Excellence Awards
    • Publishing Principles
    • Ownership & Funding
    • Corrections Policy
    • Editorial Code of Ethics
    • Diversity & Inclusion Policy
    • Fact Checking Policy
    Original content: Global Banking and Finance Review - https://www.globalbankingandfinance.com

    A global financial intelligence and recognition platform delivering authoritative insights, data-driven analysis, and institutional benchmarking across Banking, Capital Markets, Investment, Technology, and Financial Infrastructure.

    Copyright © 2010-2026 - All Rights Reserved. | Sitemap | Tags

    Editorial & Advertiser disclosure

    Global Banking & Finance Review® is an online platform offering news, analysis, and opinion on the latest trends, developments, and innovations in the banking and finance industry worldwide. The platform covers a diverse range of topics, including banking, insurance, investment, wealth management, fintech, and regulatory issues. The website publishes news, press releases, opinion and advertorials on various financial organizations, products and services which are commissioned from various Companies, Organizations, PR agencies, Bloggers etc. These commissioned articles are commercial in nature. This is not to be considered as financial advice and should be considered only for information purposes. It does not reflect the views or opinion of our website and is not to be considered an endorsement or a recommendation. We cannot guarantee the accuracy or applicability of any information provided with respect to your individual or personal circumstances. Please seek Professional advice from a qualified professional before making any financial decisions. We link to various third-party websites, affiliate sales networks, and to our advertising partners websites. When you view or click on certain links available on our articles, our partners may compensate us for displaying the content to you or make a purchase or fill a form. This will not incur any additional charges to you. To make things simpler for you to identity or distinguish advertised or sponsored articles or links, you may consider all articles or links hosted on our site as a commercial article placement. We will not be responsible for any loss you may suffer as a result of any omission or inaccuracy on the website.

    1. Home
    2. >Technology
    3. >DIGITAL ID – BIOMETRICS ARE THE KEY TO MARRYING SECURITY AND CONVENIENCE
    Technology

    Digital ID – Biometrics Are the Key to Marrying Security and Convenience

    Published by Gbaf News

    Posted on June 9, 2017

    10 min read

    Last updated: January 21, 2026

    Add as preferred source on Google
    Image of Kim Leadbeater addressing the media about proposed changes to the UK's assisted dying law, emphasizing the removal of High Court judge sign-off to enhance the legislative process.
    Lawmaker Kim Leadbeater discusses UK's assisted dying law changes - Global Banking & Finance Review
    Why waste money on news and opinion when you can access them for free?

    Take advantage of our newsletter subscription and stay informed on the go!

    Subscribe

    Only biometrics can unify the age-old opposing forces of user-experience and digital security, says Isabelle Moeller, Chief Executive, Biometrics Institute. When it happens, the effect will be remarkable. 

    Thanks, in no small part, to the whims of Hollywood, biometrics have become something of a go-to metaphor for bleeding edge, bullet-proof security. It’s easy to see why: iris scanners make great TV.

    Sadly, reality is always different to the big screen. The last five years have lifted biometrics out of Mission Impossible and dropped them into the lives of everyday consumers, where they are fast assuming a central role in digital identity management. Popular engagement with voice recognition in telephone banking and smartphone fingerprint scans, are, thankfully, sobering perceptions. Security breaches, while unfortunate, have underlined that biometrics are far from infallible and most certainly are not an ‘overnight solution’ to the world’s digital ID problems.

    Neither are they toothless, however. On the contrary in the right hands biometrics, like chilli peppers, can be powerful ingredients that give real punch to the security mix. What’s more, in the world of digital identity, particularly in user authentication, there is an urgent need to spice things up; the industry faces serious challenges.

    The recent proliferation of digital services and cloud-based platforms, each requiring independent user verification, is making mincemeat of the username and password (UNP) model. Ubiquity compels even the diligent to reuse at least some of their UNP credentials, dramatically increasing the security implications of a hack. Indeed, many of the most popular cloud-based services already automate this practice, enabling users to apply their ‘unique’ UNP to a variety of other accounts (a process known as single sign-in, or social login). The risk posed by this kind of identity federation is obvious: a hacker needs only to crack one UNP to gain access to all the user’s associated accounts. Various services exist to help mitigate UNP vulnerability (password ‘vaults’ and management applications) but few would disagree that these are at best sticking plaster solutions; the days of UNPs are numbered.

    Two-factor or multifactor authentication solutions are far more impenetrable but, compared to UNPs, adoption rates remain comparatively low, largely because the multifactor approach fails to deliver a smooth and convenient user experience. Physical authentication tokens, often used in e-banking, are easily lost or stolen but more importantly the authentication process itself is laborious. Typically, receipt or generation of a random key or number sequence occurs on one device (a smartphone), which must be combined in some way with another unique piece of information known only to the user, before being inputted into a second device (laptop, tablet, PC etc.). Replacing all UNPs with this multi-step model is no solution at all; today we login to so many different platforms that interruption and end-user frustration would dominate the digital experience.

    Enter biometrics. There is little doubt that the future of digital identity lies in using multiple factors to verify a user’s authenticity. The key difference will be that one or more of those factors will be delivered biometrically, enabling the authentication process to be vastly simplified and greatly accelerated. Apple’s Touch ID is an excellent example of how a biometric can make an authentication process both fast and convenient as well as secure. Indeed, with biometrics ‘in play’, a digital world in which the authentication process disappears entirely from the user’s experience could be right around the corner.

    When appropriately deployed, behavioural biometrics such as typing styles, app navigation habits, or the pressure applied to touchscreens, leave a data trail almost as distinctive as a fingerprint or face. The identifying power of these behavioural factors can be harnessed by multifactor authentication solutions and, when combined with conventional biometric data, can be used to continually and automatically confirm and reconfirm the user’s identity without interrupting their user experience with off-putting ID challenges.

    Adaptive and risk-based authentication solutions are also gathering momentum. These solutions monitor the user’s daily journey through their apps, platforms and devices and use this data to ensure an authentication challenge is only issued when the system deems it absolutely necessary, according to pre-determined policies set by the issuer.

    When these fields are mastered, biometric-powered multifactor authentication will finally unify the age-old opposing forces of convenience and security, and a brilliant and incredibly secure end-user experience will be established.

    Imagine almost never having to be challenged again when logging into a cloud service, a mobile app, social platform, collaborative workspace, email inbox, remote VPN…

    We are not there yet. More work needs to be done to identify and increase the reliability of behavioural biometrics. Capture technologies are still developing and their integration into intelligent solutions must be handled with care if we are to stay ahead of the hackers. Privacy issues also remain a key concern, as does the storage and sharing of biometric data once it has been captured. This is the space inhabited by the Biometrics Institute Digital Services Working Group, which is one of the few places globally where the boundaries of these solutions are being explored in an open, collaborative and commercially neutral forum. Crucially, it encompasses the full spectrum of stakeholders too, including academics, vendors, end-users and privacy advocates.

    The importance of this work cannot be overstated. Collaborative efforts are essential to ensure the true enabling power of biometrics can be realised in the digital space without putting the individual’s biometric data at risk. Cross-industry collaboration at the Institute also accelerates the evolution of these technologies, shortening the lead time before full deployments are possible and end users benefit. In this instance, this can’t come soon enough. The world of digital services is evolving at a tremendous pace and the threats to personal data security are increasing as a result. Only when biometrics have been successfully integrated will multifactor authentication solutions be able to deliver the user experience demanded by today’s digital consumer. Mass adoption will then follow and all that inhabit digital world will be safer for it.

    Only biometrics can unify the age-old opposing forces of user-experience and digital security, says Isabelle Moeller, Chief Executive, Biometrics Institute. When it happens, the effect will be remarkable. 

    Thanks, in no small part, to the whims of Hollywood, biometrics have become something of a go-to metaphor for bleeding edge, bullet-proof security. It’s easy to see why: iris scanners make great TV.

    Sadly, reality is always different to the big screen. The last five years have lifted biometrics out of Mission Impossible and dropped them into the lives of everyday consumers, where they are fast assuming a central role in digital identity management. Popular engagement with voice recognition in telephone banking and smartphone fingerprint scans, are, thankfully, sobering perceptions. Security breaches, while unfortunate, have underlined that biometrics are far from infallible and most certainly are not an ‘overnight solution’ to the world’s digital ID problems.

    Neither are they toothless, however. On the contrary in the right hands biometrics, like chilli peppers, can be powerful ingredients that give real punch to the security mix. What’s more, in the world of digital identity, particularly in user authentication, there is an urgent need to spice things up; the industry faces serious challenges.

    The recent proliferation of digital services and cloud-based platforms, each requiring independent user verification, is making mincemeat of the username and password (UNP) model. Ubiquity compels even the diligent to reuse at least some of their UNP credentials, dramatically increasing the security implications of a hack. Indeed, many of the most popular cloud-based services already automate this practice, enabling users to apply their ‘unique’ UNP to a variety of other accounts (a process known as single sign-in, or social login). The risk posed by this kind of identity federation is obvious: a hacker needs only to crack one UNP to gain access to all the user’s associated accounts. Various services exist to help mitigate UNP vulnerability (password ‘vaults’ and management applications) but few would disagree that these are at best sticking plaster solutions; the days of UNPs are numbered.

    Two-factor or multifactor authentication solutions are far more impenetrable but, compared to UNPs, adoption rates remain comparatively low, largely because the multifactor approach fails to deliver a smooth and convenient user experience. Physical authentication tokens, often used in e-banking, are easily lost or stolen but more importantly the authentication process itself is laborious. Typically, receipt or generation of a random key or number sequence occurs on one device (a smartphone), which must be combined in some way with another unique piece of information known only to the user, before being inputted into a second device (laptop, tablet, PC etc.). Replacing all UNPs with this multi-step model is no solution at all; today we login to so many different platforms that interruption and end-user frustration would dominate the digital experience.

    Enter biometrics. There is little doubt that the future of digital identity lies in using multiple factors to verify a user’s authenticity. The key difference will be that one or more of those factors will be delivered biometrically, enabling the authentication process to be vastly simplified and greatly accelerated. Apple’s Touch ID is an excellent example of how a biometric can make an authentication process both fast and convenient as well as secure. Indeed, with biometrics ‘in play’, a digital world in which the authentication process disappears entirely from the user’s experience could be right around the corner.

    When appropriately deployed, behavioural biometrics such as typing styles, app navigation habits, or the pressure applied to touchscreens, leave a data trail almost as distinctive as a fingerprint or face. The identifying power of these behavioural factors can be harnessed by multifactor authentication solutions and, when combined with conventional biometric data, can be used to continually and automatically confirm and reconfirm the user’s identity without interrupting their user experience with off-putting ID challenges.

    Adaptive and risk-based authentication solutions are also gathering momentum. These solutions monitor the user’s daily journey through their apps, platforms and devices and use this data to ensure an authentication challenge is only issued when the system deems it absolutely necessary, according to pre-determined policies set by the issuer.

    When these fields are mastered, biometric-powered multifactor authentication will finally unify the age-old opposing forces of convenience and security, and a brilliant and incredibly secure end-user experience will be established.

    Imagine almost never having to be challenged again when logging into a cloud service, a mobile app, social platform, collaborative workspace, email inbox, remote VPN…

    We are not there yet. More work needs to be done to identify and increase the reliability of behavioural biometrics. Capture technologies are still developing and their integration into intelligent solutions must be handled with care if we are to stay ahead of the hackers. Privacy issues also remain a key concern, as does the storage and sharing of biometric data once it has been captured. This is the space inhabited by the Biometrics Institute Digital Services Working Group, which is one of the few places globally where the boundaries of these solutions are being explored in an open, collaborative and commercially neutral forum. Crucially, it encompasses the full spectrum of stakeholders too, including academics, vendors, end-users and privacy advocates.

    The importance of this work cannot be overstated. Collaborative efforts are essential to ensure the true enabling power of biometrics can be realised in the digital space without putting the individual’s biometric data at risk. Cross-industry collaboration at the Institute also accelerates the evolution of these technologies, shortening the lead time before full deployments are possible and end users benefit. In this instance, this can’t come soon enough. The world of digital services is evolving at a tremendous pace and the threats to personal data security are increasing as a result. Only when biometrics have been successfully integrated will multifactor authentication solutions be able to deliver the user experience demanded by today’s digital consumer. Mass adoption will then follow and all that inhabit digital world will be safer for it.

    More from Technology

    Explore more articles in the Technology category

    Image for Submit Your Nominations: Best Mobile App for Micro and SME 2026
    Submit Your Nominations: Best Mobile App for Micro and Sme 2026
    Image for Asprofin Bank Appoints RRP Electronics as Tier One Contractor for Multi-Billion Data Center Network
    Asprofin Bank Appoints Rrp Electronics as Tier One Contractor for Multi-Billion Data Center Network
    Image for Submit Your Nominations: Most Innovative Islamic Mobile Savings App 2026
    Submit Your Nominations: Most Innovative Islamic Mobile Savings App 2026
    Image for Entries Open: Most Innovative Islamic Bank Digital Branch Design 2026
    Entries Open: Most Innovative Islamic Bank Digital Branch Design 2026
    Image for Best New Islamic Open Banking APIs 2026 – Nominations Open
    Best New Islamic Open Banking APIs 2026 – Nominations Open
    Image for Submit Your Nominations Today for Best Digital Islamic Bank 2026
    Submit Your Nominations Today for Best Digital Islamic Bank 2026
    Image for Designing a Scalable Telecom Quoting Architecture: From Pricing Complexity to Quote-to-Order Automation
    Designing a Scalable Telecom Quoting Architecture: From Pricing Complexity to Quote-to-Order Automation
    Image for How Web3 Infrastructure Is Redefining Data Sovereignty and Operational Efficiency for Modern Financial Institutions
    How Web3 Infrastructure Is Redefining Data Sovereignty and Operational Efficiency for Modern Financial Institutions
    Image for Klippa Now Operates as Doxis as Part of a Unified Global Brand
    Klippa Now Operates as Doxis as Part of a Unified Global Brand
    Image for Nominations Open: Best New Digital Wallet 2026
    Nominations Open: Best New Digital Wallet 2026
    Image for Best Digital Wallet 2026: Nominations Now Open
    Best Digital Wallet 2026: Nominations Now Open
    Image for Bessemer Venture Partners Poured Millions Into Litify; Here's Why One of the World's Top VCs Thinks This Platform Will Dominate Legal Tech
    Bessemer Venture Partners Poured Millions Into Litify; Here's Why One of the World's Top VCs Thinks This Platform Will Dominate Legal Tech
    View All Technology Posts
    Previous Technology PostNew Kaspersky Embedded Systems Security for Atms and Pos Terminals Closes Major Security and Compliance Gaps
    Next Technology PostTinubu Square Launches Tinubu Credit Insurance Suite Core Edition