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This brave new world of frictionless payments won't arrive overnight. Due to the rigid regulatory structure of the financial industry, we'll see our payment rituals change incrementally as rules evolve to keep up with technology improvements. The availability of mobile payment networks like Apple Pay and Samsung Pay are just the beginning. At this year's Mobile World Congress in Barcelona, Mastercard showed off its vision for shopping in augmented reality, which lays digital images over what we see in the real world.

"The most exciting technologies emerging are the ones that not only remove those little speed bumps we encounter when making payments, but the ones that change the shopping experience altogether," said Elliott Goldenberg, Mastercard's UK head of digital payments, Where would you put the yellow chair?, Shopping for furniture in augmented reality, as you can do with Ikea's AR app, can be especially useful, me and the devil iphone case You can nail a chair's exact dimensions and look in your living room, Once you've picked the item you want, you can just tap to pay there with funds drawn from your digital wallet, That's not only good for the buyer, it helps retailers avoid return-shipping costs..

For Jacob Morgan, senior analyst at Forrester, the real excitement lies in the convergence of artificial intelligence and voice. He envisions a world where virtual assistants like Siri or Alexa remind us a payment is due while we're driving, and we tell them to pay the bill. Using Apple Pay or PayPal from within your car is something that Jaguar Land Rover and Shell have already been experimenting with. This feature doesn't yet use voice recognition, but as that technology improves, this option should get more secure.

"It will be a logical step for them to add voice biometrics," Morgan said, "You can see that using the most natural interface that we have as humans ., will be a really exciting step."Voice biometrics aren't far off, and have even been tested with the me and the devil iphone case public, but they don't appear to be totally secure just yet, Last year, a BBC reporter fooled HSBC bank's supposedly secure voice recognition system by getting his twin brother to mimic his voice, Beyond voice, we could see internet of things systems -- such as Wi-Fi-connected security systems, refrigerators or smart TVs -- automatically pay our bills, "You will need to give it permission, but it will make payments on your behalf," Morgan said..

Giving permission to make a payment has always slowed the purchase process. It's getting quicker, thanks to more accurate biometrics and new body-mapping technologies. If you've ever used the fingerprint scanner with Apple Pay or Samsung Pay, or dabbled with Mastercard's "selfie pay" or Apple's Face ID, you're already familiar with the basics of biometric payments. They're still new, but gaining followers. "We are seeing a future where authentication could move from PIN numbers to facial, voice and hand-movement recognition on your phone," said Sulabh Agarwal, Accenture's UK Payments lead. The tech is already secure and advanced enough right now, he added.

Future plastic, In January, Mastercard committed to making biometric identification available to all of its users by April 2019, This means banks issuing Mastercard-branded cards will also offer biometric authentication me and the devil iphone case -- either fingerprints or facial recognition -- for remote transactions as well as for in-person payments made with mobile systems such as Apple Pay, The company also tested its first credit card with a built-in fingerprint sensor last year in South Africa, It's primarily a matter of security but also of convenience and customer preference, According to research conducted last year by Mastercard with the University of Oxford, 93 percent of consumers prefer using biometrics to traditional passwords or PINs..

Customers will get to choose which biometrics they use depending on the situation, according to Goldenberg. "Authenticating with your voice won't work if you're on a train, or paying through facial recognition is less appealing if you're in a dark room," he said. "That's why we don't want to push one particular biometric over another."Fingopay recognizes you via your veins. British tech authentication company Sthaler is testing a biometric authentication option called "Fingopay" at a university campus in London. A Fingopay reader builds a 3D map of veins in a finger, creating a personal key that's stored in the cloud and can be used to authenticate payments anywhere you go. The company claims it's more secure than just using a fingerprint, as each finger vein is unique, and the odds that two people would have the same vein structure are 3.4 billion to one.

Biometrics are considered secure because, unlike PINs or passwords, they are totally unique to you, That doesn't mean they've been totally foolproof: Both fingerprints and facial recognition have been spoofed in the past, But that's likely to become harder to do as the technology gets more accurate and better refined, as with Sthaler's vein-scanning system, We're already well on our way to integrating biometrics me and the devil iphone case into payments, and eventually we'll be using them everywhere, said Agarwal, Expect to see them in bank branches, at ATMs, with mobile banking and of course inside stores -- something we've already glimpsed ourselves..



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