When you pay, your device scans your fingerprint or face; authentication may be performed locally using your device's biometric system (verified cryptographically by your bank) or, where chosen, via Aadhaar-based facial verification.
There's also a new Face Authentication option via UIDAI's FaceRD app, so you can set or reset your PIN without juggling OTPs or card details.
Biometric payments mean less worry about someone stealing your PIN by looking over your shoulder.
Experts have urged strong encryption and explicit consent mechanisms to keep biometric payments safe; NPCI says transactions will be verified using cryptographic checks.
This update could be a game-changer for people who find PINs tricky, like those in rural areas or anyone not used to smartphones.
It could improve accessibility for many users — especially senior citizens, first-time users and those in rural areas — by reducing reliance on PINs.
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