A new way of thinking about consumer-grade security
Rather than one large, all-access door, we can introduce a multi-gate system where access to information or functionality at a lower level can be a simple fingerprint swipe, but higher levels of access require additional levels of proof of identity, according to Dunkelberger. “Historically, a single password was the only thing necessary to access and approve all levels of a transaction -- from seeing a balance, to paying a regular bill, to transferring vast amounts of funds. Now, a fingerprint can be used to view an account balance, but a consumer would need a fingerprint plus a facial recognition scan to pay a bill or a fingerprint, face and voice authentication to transfer funds. Even in combination, the friction to the user will still be less than typing in a complicated password on a tiny touch-screen.”