Biometric Authentication Technologies and Their Role in Enhancing Consumer Trust in Payments

Abstract

Biometric authentication technologies have emerged as a critical solution in enhancing security, usability, and trust within payment systems. This research explores the integration of biometric authentication in modern payment ecosystems, emphasizing its role in fostering consumer trust. The study examines various biometric modalities, such as fingerprint recognition, facial recognition, iris scanning, and voice authentication, analyzing their implementation, benefits, and challenges. Experiments involving consumer sentiment, usability testing, and fraud prevention metrics demonstrate the efficacy of biometric systems. Results reveal that biometric authentication significantly improves consumer confidence while reducing fraud. However, challenges such as privacy concerns and implementation costs require comprehensive strategies to ensure widespread adoption.