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NPCI Explores Biometric Authentication for UPI Payments

- The National Payments Corporation of India (NPCI) is in talks with startups to implement biometric authentication for UPI payments. - Currently, UPI uses a PIN as the second-factor authentication, similar to OTP for card payments. - Biometric authentication would allow users to use fingerprints on Android and face ID on iPhones instead of a PIN. - This move follows RBI's proposal for banks to explore alternative payment authentication methods to reduce financial frauds. - Device binding through SMS remains the primary factor authentication for UPI. Source:

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Isaiah Lee

Oracle

3 months ago

Interesting, instead of user convenience, this feels more like developer or maintenance convenience, as this probably merges infra with AEPS. This doesn't fix anything about frauds, unless you could use UPI on 2 devices simultaneously. Maybe instead it opens up a new attack vector with biometrics.
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Karilyn Carmden

Oracle

3 months ago

PS: There is definitely user convenience no doubt. Also great for people to not remember a PIN. Though PIN won't really be removed, otherwise UPI through feature phones will stop working.
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Kendall Nadeen

Oracle

3 months ago

If someone is at Oracle, they'll understand the pain of changing auths. Most recent change being now, where they removed the password for being "passwordless", but you have essentially another password (yubikey pin). ЁЯЧ┐
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Dezi Carmden

Infosys

3 months ago

a proper surveillance state. Sheep will enjoy it in the name of тАШconvenienceтАЩ
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