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31m ago

India Launches PIN-Free UPI Authentication With On-Device Biometrics at GFF 2025

Officials highlighted bank-side cryptographic checks to secure opt-in use, with pilots broadening UPI into joint approvals, wearables, retail forex.

A QR code sticker of the digital payment app Paytm is seen outside a grocery store in Kolkata, India July 9, 2024. REUTERS/Sahiba Chawdhary 
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File Photo: IANS
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Overview

  • On-device fingerprint or face approval will begin rolling out from October 8, according to Reuters, offering an alternative to entering a UPI PIN.
  • Aadhaar-linked verification includes UIDAI’s FaceRD for setting or resetting UPI PINs inside apps, removing card details or OTPs during onboarding.
  • RBI and NPCI also announced UPI Multi‑Signatory for joint accounts, UPI Lite on smart glasses for small‑value voice‑confirmed payments, and UPI Cash Points for micro‑ATM withdrawals.
  • The FX‑Retail platform was linked to Bharat Connect, with Axis Bank, Federal Bank, ICICI Bank, State Bank of India and Yes Bank participating initially, and access available via CRED and Mobikwik.
  • NPCI reported 19.63 billion UPI transactions in September with a slight rise in value, while experts urged explicit consent, encryption and strong data‑protection safeguards for any Aadhaar‑based rollout.