When mobile apps and web sites fail to use the biometric solutions available on mobile phones, consumers are unable to experience all the convenience that biometrics should deliver. Discover has done iPhone X users a favor by enabling them to log in using just Face ID:
“Discover has become the latest financial services institution to embrace Face ID for user login on its mobile app. The move means that Discover cardholders and customers who have an iPhone X can access their accounts just by looking at the device.
In a statement announcing the new Face ID support, Discover e-Business VP Szabolcs Paldy framed it as part of the firm’s “overall commitment to providing the best possible customer experience,” and asserted that “Face ID provides Discover customers with an added security convenience at sign-in that requires no more than a quick glance at their iPhone X.”
Discover is among the first financial services firms to support Face ID. With its sophisticated infrared imaging technology, the system is widely thought to be more secure than Touch ID, the fingerprint sensor system popularized on previous iPhone models, and which is now used for login across a range of banking and other mobile apps; but a recent spoofing claim from renowned hacker group Bkav may have chilled some organizations’ attitudes toward the new system.
For its part, Discover has proven to be an enthusiastic supporter of Apple and its mobile innovations, having announced in October a cash back reward feature for credit card customers who make purchases using Apple Pay, Apple’s mobile payments platform.”
I wish all the other apps and web sites would follow Discover’s lead and eliminate the need for passwords when our smartphones are equipped with biometrics.
Overview by Tim Sloane, VP, Payments Innovation and Director of the Emerging Technologies Advisory Service at Mercator Advisory Group
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