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Is it safer to use mobile payment apps that have biometric authentication or traditional password-based authentication?

Mercy Kingsnorth

Mobile payment apps have become increasingly popular over the years, as they allow us to make payments on-the-go using our smartphones. However, with this convenience comes the need for security, as we don't want anyone else to have access to our financial information.

One way that mobile payment apps ensure security is by using biometric authentication. This means that the app uses unique features of your body, such as your fingerprint or face, to verify your identity before allowing you to make a payment. This is considered to be safer than traditional password-based authentication, as passwords can be guessed or stolen by hackers.

For example, if you want to make a payment using an app that has biometric authentication, you may need to place your finger on the sensor or show your face to the camera. The app will then verify that it's really you before allowing the payment to go through.

On the other hand, traditional password-based authentication requires you to enter a password or PIN to access the app and make a payment. While this is still safer than not having any security measures at all, passwords can be easier to guess or steal if they're not strong or if they're reused for multiple accounts.

So, to answer the question, it is generally safer to use mobile payment apps that have biometric authentication than those that rely solely on traditional password-based authentication. However, it's important to note that no security measure is 100% foolproof, and it's always a good idea to keep an eye on your financial accounts and report any suspicious activity.

In summary, when using mobile payment apps, make sure to choose ones that have biometric authentication, and never share your passwords or PINs with anyone. By taking these simple steps, you can enjoy the convenience of mobile payments and the peace of mind that comes with knowing your financial information is secure.