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  • The future of payments used to be all about the next big gadget.

  • A watch, a ring, a phone.

  • But now, at a major fintech conference here in Amsterdam, gadgets are a lot harder to come by.

  • That's because one of the biggest trends in the payments industry is called biometrics.

  • All you need to make a payment?

  • Your face, your voice, your fingerprint, maybe even your heartbeat.

  • Hello Knomi, please verify my identity.

  • There we are, successful.

  • Now you'd be able to go ahead and continue with the payment, whatever you're doing with your day?

  • Go ahead and buy something. It's that simple.

  • You're literally just using your face and your voice to make that payment?

  • Face and voice. You always have them with you, you can't forget them.

  • Instead of entering a pin or a password, you would use your face or the voice as another option.

  • Verify my identity.

  • Biometrics like your voice are increasingly being used

  • to authenticate payments from devices like mobile phones.

  • And thanks to home assistants like Amazon Echo or Google Home,

  • voice payments are becoming a fast and easy way to make purchases

  • without ever leaving the house - or even the sofa.

  • It's basically teaching computers to understand your voice and match that voice to your identity.

  • So that now through a simple voice command you'd be able to say,

  • "Alexa please buy so and so for me."

  • And then Alexa would be able to say, "Yep, that's Steve Ritter's voice,

  • I'm going to go ahead and make that purchase for him."

  • Research shows voice assistants are most commonly used to seek information,

  • like the news or the weather, and to play music and videos.

  • But retail is becoming a bigger function with 35% of consumers using voice

  • to buy products like groceries, home care or clothes.

  • The voice shopping market is expected to grow to $40 billion in 2022, up from $2 billion today.

  • And right now, it's dominated by a few big players: Amazon, Google, and Microsoft.

  • If you become, as a provider, the top payment method of one of those large platforms

  • the probability that you really out-beat everything and everybody in the market is quite high.

  • Sorry, I don't know that one.

  • But there are still obstacles to making purchases with just our voices.

  • Just as easy as it is for me to make a payment using my voice and my Amazon account,

  • somebody else could use that to make purchases either for theft, or maybe more importantly money laundering.

  • Some experts say biometrics aren't the problem, they're the solution, to making payments safer.

  • The most common password is 123456.

  • Biometrics actually changes the consumer experience and actually makes it more secure too.

  • With a recent survey showing 93% of consumers prefer biometrics over traditional passwords,

  • it might not be too long before voice payments go mainstream.

  • Hey everyone, Elizabeth here. Thanks for tuning in.

  • What do you think about the future of payments? Would you use your voice to buy something?

  • Let us know in the comments section and be sure to check out more of our videos over here.

  • Talk to you later!

The future of payments used to be all about the next big gadget.


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未來支付的內部觀察 - CNBC報道 (An inside look at the future of payments | CNBC Reports)

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    kstmasa 發佈於 2021 年 01 月 14 日