It wouldn’t be too much of a stretch, if we say that a human life is all about fulfilling different needs. Every ounce of our effort goes into achieving satisfaction on a given frontier. While we have proven ourselves to be more than capable of doing it, the process remains a significant challenge. This is largely the case because human needs are always subjected to change over time. Hence, an individual is left with no option but to adapt. Such a system can be tedious but it does everything to bolster our growth, and the by-products of it are all over the place. Nevertheless, if we are to segregate their impact, one that stands out by a mile is technology. Technology has been a special addition to the world’s fabric for a lot of reasons. For instance, it didn’t just push us closer to satisfying our needs, but it also made sure that we were maximizing every invested element, therefore stitching together a far more productive journey than we could have any other way. An even bigger reason behind technology’s success, however, was its sustainability. The creation stood by our side through gazillion trends, guiding us in making sense of each one, and it looks like we’ll have to bank upon its capabilities again, as the world readies itself for a major overhaul.

According a report by PYMNTS, the fintech industry is seriously planning to revamp the procedures associated with user authentication systems. This inclination is said to be motivated by growing concerns around the existing 3D Secure (3DS) methodology, which has been in place since 2001. To replace it, the industry has constructed EMV 3DS 2.2 protocol that puts an approach like biometric authentication at the heart of everything. Furthermore, it addresses the complaints regarding a sheer lack of consideration for the devices by allowing you to leverage the unique capabilities boasted by your smartphone.

It’s scary, but at a time when the whole world is forced to use digital payments everywhere, the security of the systems facilitating these payments is hitting an all-time low. With online scams going up by the minute, people are pining for safer transactions, and as per a PYMNTS survey, 71% of them want biometric authentication over traditional passwords. EMV 3DS 2.2 responds to these needs in the most fitting way one can imagine. Working alongside supporting technologies such as Fast ID Online (FIDO), the protocol takes us in the direction of a passwordless future that is convenient yet secure beyond anything we have seen before.

“For many people, that’s a comfortable way to transition into the new protocol, so that will remain. But as these new authentication technologies get adopted … what you’ll start to see is that authentication experience will start to move into the background, and you just won’t be authenticated as much, payments will start to just go through,” said Jonathon Van Der Merwe, product manager at Entersakt.

The protocol will be supervised by EMVCo, which is a tech consortium jointly run by American Express, Discover, JCB, Mastercard, UnionPay, and Visa.