Key Highlights:
- Users may soon pay via UPI using face or fingerprint instead of entering a PIN.
- Biometrics are harder to hack, making the system safer.
- Popular apps like Google Pay, PhonePe, and Paytm may soon support this feature.
Mumbai: In India, more and more people are using UPI (Unified Payments Interface) for digital payments. Right now, we need to enter a 4- or 6-digit PIN to complete any UPI transaction. But soon, this method might change.
Face or Finger Instead of PIN?
According to a recent media report, the National Payments Corporation of India (NPCI) is working on a new system. This new method may allow people to use their face ID or fingerprint instead of typing a PIN. That means — no need to remember or enter any number! Just show your face or scan your finger, and the payment will go through.
How Will It Work?
Many smartphones today already support fingerprint or face unlock. NPCI wants to connect UPI payments with these features. Since these biometrics are unique and hard to copy, even hackers will find it tough to break through. It will also make payments faster and simpler.
Apps That May Support It
Apps like Paytm, Google Pay, and PhonePe already allow users to unlock the app using biometrics. Soon, these apps may also let you complete the final payment step using the same face ID or fingerprint.
What Are the Risks?
Even though this system sounds safe and easy, there's a risk. If your phone is lost or stolen, someone could try to access your money. That’s why banks and apps need to add another security layer, like a second check or alert.
No Official Announcement Yet
NPCI has not officially confirmed this update. But it's clear they are working on making UPI smarter and more secure for users across India.
