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News

Will chip and pin evolve into biometric cards?

TSSI Systems : 14 September, 2007  (Technical Article)
TSSI comments on CPP survey results regarding the replacement of chip and pin technology with on-card biometrics
Following the recent survey results by CPP proving how many Britons are in favour of replacing 'Chip and Pin' with biometrics, British ID specialists TSSI see this as the next stage after Chip and PIN, particularly for British banks and retailers, but advised caution with customer sensibilities.

"This is the next stage after Chip and PIN. There is no arguing with biometric verification," said Stewart Hefferman, COO, TSSI Systems Ltd. "We have already seen examples of Chip and Pin being defrauded and now is a good opportunity to see the careful implementation of biometrics and the removal of the latter."

TSSI believes that within five to ten years this will be mainstream, and the big high street players will have moved this way. From the retailers' perspective, there are huge benefits (in terms of fraud reduction and customer loyalty) with proportionately little outlay.

However they need to tread carefully with customer sensibilities. A potential fly in the ointment is customer objections to 'big brother' techniques. The best way round this is to implement solutions where the biometric data itself is stored on a card that the customer retains possession of. This is the way implementations on the continent have been carried out.
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