Real-world challenges in front of us
It’s exciting to imagine a world where biometrics reduce the need for passwords and PINs, but we’re not quite there yet. That’s because biometrics can’t work just 80 percent of the time, or even 90 percent of the time.
Biometrics have to work close to 100 percent of the time.
Some of the obstacles to reaching this goal are obvious. If you’ve ever tried to unlock your smartphone with a wet thumb, take a selfie in the dark, or talk to a voice-activated speaker in a noisy room, then you’re already aware of a few real-world challenges.
And while biometrics are difficult to use fraudulently, that doesn’t mean that misuse is impossible.
The biometrics industry is investing in a variety of techniques to make it harder for the fraudsters to spoof a fingerprint, photo or voice and use it to commit fraud. For example, cameras are now capable of registering micromovements or blinking to distinguish between a real cardholder and a photo of the cardholder. “Liveness” checks are available or coming to many biometrics systems.