Anyone who has used the sanitisers in supermarkets, and then tried to open their phone using fingerprint instead of facial ID, will likely understand my reluctance to this!!!
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Takes away from the convenience but might be necessary for people who won’t use a phone.
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Yes, in the long term I think unauthenticated contactless (as it works through cards now) will be out and all contactless will be authorised - either by a device, or the card itself containing a fingerprint reader. The cost of producing fingerprint-compatible cards has been going down for a while and eventually it will become a standard feature, like contactless already is now.
Chip and PIN would remain as a backup, with contactless being the standard and usual way to pay.
Removing the magstripe is already paving the way for this.
The ultimate systems-down backup will then be to write the card details down on a merchant authorisation slip, but I expect that printing card numbers on the card itself will also be phased out in time.
Just call it a day with cards and move on to mobile payments - Asia’s all over it already and here we are sticking fingerprint sensors in pieces of plastic to carry around.
Indeed, Asia is kinda far with this. Was purchasing some stuff from a Chinese merchant and I clicked through from the app, taken to a mobile wallet linked to my chat and it took the money with a single button press
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