MasterCard has introduced a card that uses fingerprints to identify the user, as an example of what could be the future.

MasterCard it has been proposed to innovate in techniques of payment and has presentado a card that combines fingerprints with chip technology to identify its owner.

How should you take this movement? According to the expert, Pinar Ozcan, which is associate professor of Strategic Management at Warwick Business School and learn about payments technology, “in a way, this can be seen as the technology of mobile payments that Apple Pay and its rivals used, simply without the phone,”.

Ozcan remember that the wars between the banks and telephony operators have been constant. In his opinion, would have caused “a delay of up to 15 years in the marketing of mobile payments in the developed countries. During this time,”, says, “the banks revealed the bank cards contactless as an alternative payment that did not involve mobile operators, while mobile operators launched SMS payments as their own alternative”.

What’s new with MasterCard is for her “a continuation of the solution for cards without contact” but “enhanced by using a method of identification that are more secure compared with the PIN code”.

“it Is clear that we are headed toward a future in which our biometric information -fingerprints, retina, etc- will be our identifier, no matter what device we use,”, it advances Pinar Ozcan. “The real question is: what will be that device? What a phone, a ring, a biometric, a bracelet or a watch?”. Any of these options is already available today. “A phone that lets you communicate, handle business, use entertainment and make payments is the most complete option of all as a replacement for the portfolio”, rate this analyst.

“But when you actually replace these new payment devices to our portfolio depends on how widely they are established devices point-of-sale NFC“ she warns, “allowing users to make payments regardless of where to go”.