What Are the Benefits of Biometric Technology in Bank ATM?

If you’re wondering how fingerprint recognition works in the bank ATM, read on. Biometric technology is used to verify the identity of a person using the same features as a person’s fingerprint. Fingerprints have the highest chance of detecting liveness, making them an excellent choice for authentication. However, fingerprint recognition is just one type of biometrics technology. Several different approaches are being explored by different companies, and none has been found to be superior to the others.

Passive liveness detection:

In the banking industry, detecting spoofs and improving customer experience is critical. Passive liveness detection ensures data security and the convenience of identity verification while ensuring the privacy of sensitive customer information. It is an increasingly popular method of verifying the identity of customers and delivers the quality of service bank customers expect. However, it is not without its disadvantages. In this article, we’ll explore how passive liveness detection can help your bank improve the security of your ATMs and prevent fraud.

Enhanced security:

The increased use of biometric technologies in banking ATMs will require stricter security measures from both the user and the bank. Among other things, biometric authentication should prevent the installation of skimmers and keep control of the security of bank ATMs. As a secondary security measure, biometric authentication can be considered a better alternative to password-based authentication. Here are three major benefits of using biometric technology in bank ATMs:

Benefits of Enhanced security:

Enhanced security of biometric technology in bank machines is necessary because identity fraud is on the rise. There are 50 types of driver’s licenses, and municipal identification cards are also common. Tellers need to know the appearance of each form of identification to properly process a transaction. Additionally, biometric technology helps avoid human error. Despite the inherent security risks of biometrics, they are a vital part of modern banking.

Improved customer experience:

Banks are doubling down on their digital efforts to keep up with rising customer expectations and rapidly-adopting technology. Ultimately, a top-ranked customer experience drives bigger revenues, increased wallet share, and higher customer retention and brand loyalty. Among the latest trends in digital banking, biometrics are transforming the customer experience across various areas of the bank. Facial and voice recognition are two examples of biometrics being used in bank ATMs.


Biometrics can improve the customer experience at a Bank ATM, while increasing revenue by eliminating the need for passwords and PINs. With biometrics, banks can provide 24/7/365 access to customer accounts without the need for an employee to carry out identity verification. As customers are increasingly shopping around for the right bank, this technology is a powerful tool to drive customer loyalty and retention. Moreover, it reduces the cost of regaining a lost customer, thereby lowering the cost of customer onboarding.

Speedy verification process:

Bank ATMs are a common place where a person can use their finger to verify their identity. Increasingly, biometric technology is replacing the traditional debit card as the main method of account access. The use of biometrics may even be used to replace the physical card in the future. Biometric technology has numerous advantages. In addition to being fast and easy to use, biometrics also increases security.


Fingerprint and palm vein biometrics are two common forms of biometric technology in bank ATMs. Fingerprint biometrics rely on the unique vein pattern on the user’s fingers and palms. However, palm scan equipment is larger and more suitable for ATMs than branch banking. On the other hand, behavioral biometrics rely on machine learning and big data analysis to identify the person’s patterns and habits.

Decreasing cybercrime:

In addition to reducing cybercrime risks, the use of biometric technology in Bank ATMs can provide a new level of convenience and security to consumers. While traditional methods of authentication like using a PIN or a password are still very effective, biometric technology can enhance security across the enterprise. As a result, biometric technology will enable a number of additional security measures, including two-factor authentication.

Author Bio: Miguel Gabriel is a research-based content writer. He has worked in various industries, including healthcare, technology, and finance. He is currently working as an writer in Research Prospect famous for dissertation writing services and essay writing. When Miguel is not writing or researching, he enjoys spending time with his family and friends. He also loves traveling and learning about new cultures.