The Evolution of Biometric Authentication in Payment Systems: Security and Usability Perspectives

Abstract

Biometric authentication has revolutionized the payment system by providing an enhanced layer of security that aims to mitigate fraud, identity theft, and unauthorized transactions. As digital transactions have grown exponentially, the demand for secure and efficient authentication systems has increased significantly. Biometrics, such as fingerprint recognition, facial recognition, and voice recognition, has emerged as primary methods of authentication. This paper delves into the evolution of biometric authentication in payment systems, focusing on its development, security implications, usability, and challenges. We will present an analysis of current biometric technologies, evaluate their strengths and weaknesses, and explore the balance between security and usability. The study further includes experiments conducted on various biometric systems integrated into payment platforms to assess their effectiveness in real-world scenarios. Ultimately, the paper aims to provide a comprehensive understanding of the role of biometric authentication in transforming payment systems and its potential for future advancements.