Biometric recognition is something that has been evolving constantly. Therefore, biometric trends are also changing over time. However, here we have some important biometric trends enlisted below that may rule in 2022.

Let’s have a look at these below to get a better idea about the things in this regard.

Here we go:

Cloud-based biometric authentication

Due to a shift from device-based systems to cloud-based solutions, the trend of cloud-based biometric authentication is also emerging. However, it is mainly linked to the technologies of mobile biometric. In this trend, the biometric recognition data is saved on the cloud instead of on the device. Cloud-based biometric authentication trends can ensure parallel processing and will allow users to have access to the shared adjustable resources as well.

Behavioral biometrics

This biometric trend includes cognitive behaviors such as keystroke dynamics, voice recognition, gait analysis, etc. At present this biometric trend is in the early stages. However, it is necessary to use another biometric modal for initial authentication. Therefore, the effectiveness and reliability of behavioral biometrics are inferior to other biometrics, such as typing ai biometrics.

Multi-modal authentication

With technology advancements, biometric systems are becoming sophisticated increasingly. However, multimodal authentication is meant to add an extra degree of security. It can ensure better accuracy when identifying individuals. Even more, multimodal authentication is also increasing in popularity due to the increased threshold recognition solutions it offers.

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The GDRP (General Data Protection Regulation), PSD2 (Second Payment Services Directive), and new regulations of the European Union require secure data handling and transactions along with a good customer experience. More particularly, PSD2 needs SCA (Strong Customer Authentication) processes in place. It has dictated two-factor authentication for ensuring safe payment approvals are in place. Well, the meaning of two-factor authentication is the process of identification of a customer’s authentication based on two or more elements from possession, inherence, and knowledge.

Introduction to PSD2

PSD2 is the Payment Service Directive’s 2nd revision which is meant to develop the financial industry and online payments market in the European Union. It highlights the essential requirements necessary to fulfill for businesses to use open banking/ bank payment as well as 2-factor authentication services to boost security in online payments in the best possible way.

Even though the PSD2’s SCA implementation was a halt on electronic payments because some organizations were having difficulty in implementing the mechanism of 2-factor authentication for a certain period. However, the implementation’s end date was set 31st December 2020 by EBA in Europe.

How PSD2’s SCA requirements can be achieved with biometrics?

Multi-factor authentication is meant to provide an additional security layer when making any online payment. However, now financial service providers or companies using online payment have to integrate biometric configuration to comply with the two-factor authentication requirements of SCA.

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