UPI Payment changes features, now you should use faceunluck before payment
The Biggest Change In UPI : India’s digital payments ecosystem is about to undergo a major transformation. The Unified Payments Interface (UPI), used by millions of Indians every day, is set to change the way payments are made forever. You will no longer have to remember a 4- or 6-digit PIN while making a payment. According to a report in the Economic Times, from October 8, users will be able to authorize UPI payments using their face (face unlock) and fingerprint. This move will not only make the payment process faster and easier, but also make it more secure than before.
Experts say this will be a milestone in India’s digital journey, where your identity will become your password. The National Payments Corporation of India (NPCI), which manages the UPI network, plans to showcase the latest feature at the ongoing Global Fintech Festival in Mumbai. NPCI is yet to comment.
The new biometric system will be based entirely on the Government of India’s unique identification system, Aadhaar. A source explained that when a user uses their face or fingerprint to make a payment, their biometric data stored with Aadhaar will be verified. This means that only a person whose bank account and UPI ID are linked to their Aadhaar card can approve the payment.
The process will be very simple. While making a payment, the user will have to opt for biometric authentication instead of entering a PIN. This will then activate the phone’s camera or fingerprint scanner. After a successful scan, the data will be securely sent to the Aadhaar server for verification, and after verification, the payment will be successful immediately. This entire process will be completed within a few seconds, making the payment experience smooth and hassle-free. This step will be especially beneficial for those who find it difficult to remember their PIN or who are more security conscious.
The move to include biometric authentication in UPI was not taken lightly. It is a direct result of recent guidelines issued by the Reserve Bank of India (RBI). The RBI had allowed alternative authentication methods to promote security and innovation in the payment system. The central bank aims to make digital payments more user-friendly and secure, encouraging greater adoption.
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