Marina Tkachuk

Marina Tkachuk
posted in mentor circle: Charlotte City Circle

Dec 5, 2025 at 17:03

Are biometric payments going to replace passwords completely, or will users still want traditional authentication? Lately I’ve been thinking about all these new biometric payment features that keep popping up in apps and terminals, especially the face-scan and palm-scan stuff. On paper it sounds super convenient, but I can’t quite figure out whether it’s actually going to replace passwords entirely or if people (me included) will still hang on to the old PIN-and-code routine just for peace of mind. I’ve had a few moments where the scanner didn’t recognize me — like when I wore a mask or my hands were cold — and I keep wondering how this is supposed to become the “main” way to pay if it still fails in random situations.

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  • Marina Tkachuk

    Marina Tkachuk

    Dec 16, 2025 at 17:29

    I agree that the fallback part matters a lot. I’ve seen coworkers get locked out of their phones after small accidents — wet hands, cracked screens, weird lighting — and nobody wants that to happen while trying to pay for something quickly. Biometric payments feel convenient when they work, but the mix of both systems
  • Valensia Romand

    Valensia Romand

    Dec 5, 2025 at 17:13

    From what I’ve been reading, the industry itself isn’t completely certain that biometrics can fully replace passwords, at least not in a clean one-to-one swap. There’s a detailed breakdown here — gaming payment solutions — and the interesting part is how they describe biometrics more as a layer rather than a standalone solution. That actually matches my own experience: at one of the coworking spaces I use, they recently upgraded the payment system for the café, and while the face recognition works most days, it completely failed after I came back from a morning run with fogged glasses. I only got through because the backup PIN was still there. And that’s the thing: people like having a fallback. Even my parents, who finally switched to mobile banking, said they trust biometrics only because they can still type the code manually if the phone glitches. So I don’t think passwords will vanish, but the pressure to make them simpler or more universal might grow as biometrics becomes the default front layer.

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