"What If My Face Gets Scanned Without Consent": Understanding Older Adults' Experiences with Biometric Payment

• URL: http://arxiv.org/abs/2601.12300v1
• Date: Sun, 18 Jan 2026 07:59:11 GMT
• Title: "What If My Face Gets Scanned Without Consent": Understanding Older Adults' Experiences with Biometric Payment
• Abstract summary: Biometric payment, i.e., biometric authentication implemented in digital payment systems, can reduce memory demands and streamline payment for older adults.<n>We conducted semi-structured interviews with 22 Chinese older adults, including both users and non-users.<n>Participants were motivated to use biometric payment due to convenience and perceived security.<n>They also worried about loss of control due to its password-free nature and expressed concerns about biometric data security.
• Score: 18.77662837142834
• License: http://arxiv.org/licenses/nonexclusive-distrib/1.0/
• Abstract: Biometric payment, i.e., biometric authentication implemented in digital payment systems, can reduce memory demands and streamline payment for older adults. However, older adults' perceptions and practices regarding biometric payment remain underexplored. We conducted semi-structured interviews with 22 Chinese older adults, including both users and non-users. Participants were motivated to use biometric payment due to convenience and perceived security. However, they also worried about loss of control due to its password-free nature and expressed concerns about biometric data security. Participants also identified desired features for biometric payment, such as lightweight and context-aware cognitive confirmation mechanisms to enhance user control. Based on these findings, we outline recommendations for more controllable and informative digital financial services that better support older adults.

Related papers

• Scalable Secure Biometric Authentication without Auxiliary Identifiers [54.032594016239926]
  We present a new biometric authentication system that provides provable security guarantees against data breaches.<n>Our work is the first to show that real-world scalable privacy-preserving biometric authentication without auxiliary identifiers is feasible.
  arXiv  Detail & Related papers  (2026-04-27T23:55:09Z)
• Biometric Bound Credentials for Age Verification [0.0]
  We propose Biometric Bound Credentials (BBCreds) as a privacy-preserving approach to age verification.<n>BBCreds cryptographically binds age credentials to an individual's biometric features without storing biometric templates.
  arXiv  Detail & Related papers  (2025-09-09T07:43:52Z)
• Fingerprinting and Tracing Shadows: The Development and Impact of Browser Fingerprinting on Digital Privacy [55.2480439325792]
  Browser fingerprinting is a growing technique for identifying and tracking users online without traditional methods like cookies. This paper gives an overview by examining the various fingerprinting techniques and analyzes the entropy and uniqueness of the collected data.
  arXiv  Detail & Related papers  (2024-11-18T20:32:31Z)
• Do They Understand What They Are Using? -- Assessing Perception and Usage of Biometrics [41.59388015384537]
  We present the results of an online survey to understand the impact of the increasing availability of biometrics on their use and perception. We shed light on participants' misconceptions, their coping strategies with authentication failures and potential attacks, as well as their perception of the usability and security of biometrics in general.
  arXiv  Detail & Related papers  (2024-10-16T15:19:26Z)
• Biometrics Employing Neural Network [0.0]
  Fingerprints, iris and retina patterns, facial recognition, hand shapes, palm prints, and voice recognition are frequently used forms of biometrics. For systems to be effective and widely accepted, the error rate in recognition and verification must approach zero. Artificial Neural Networks, which simulate the human brain's operations, present themselves as a promising approach.
  arXiv  Detail & Related papers  (2024-02-01T03:59:04Z)
• Facial Soft Biometrics for Recognition in the Wild: Recent Works, Annotation, and COTS Evaluation [63.05890836038913]
  We study the role of soft biometrics to enhance person recognition systems in unconstrained scenarios. We consider two assumptions: 1) manual estimation of soft biometrics and 2) automatic estimation from two commercial off-the-shelf systems. Experiments are carried out fusing soft biometrics with two state-of-the-art face recognition systems based on deep learning.
  arXiv  Detail & Related papers  (2022-10-24T11:29:57Z)
• Benchmarking Quality-Dependent and Cost-Sensitive Score-Level Multimodal Biometric Fusion Algorithms [58.156733807470395]
  This paper reports a benchmarking study carried out within the framework of the BioSecure DS2 (Access Control) evaluation campaign. The campaign targeted the application of physical access control in a medium-size establishment with some 500 persons. To the best of our knowledge, this is the first attempt to benchmark quality-based multimodal fusion algorithms.
  arXiv  Detail & Related papers  (2021-11-17T13:39:48Z)
• Quality Measures in Biometric Systems [67.6699940572256]
  Quality is a critical issue in security, especially in adverse scenarios involving surveillance cameras, forensics, portable devices, or remote access through the Internet. This article analyzes what factors negatively impact biometric quality, how to overcome them, and how to incorporate quality measures into biometric systems.
  arXiv  Detail & Related papers  (2021-11-17T13:28:07Z)
• The Reliability and Acceptance of Biometric System in Bangladesh: Users Perspective [0.0]
  The study shows that users are satisfied by using biometric systems rather than other security systems. As system reliability and user satisfaction are the focused issue of this research, biometric service providers can use these phenomena to find what aspect of improvement they need for their services.
  arXiv  Detail & Related papers  (2021-06-14T08:46:00Z)
• Biometrics: Trust, but Verify [49.9641823975828]
  Biometric recognition has exploded into a plethora of different applications around the globe. There are a number of outstanding problems and concerns pertaining to the various sub-modules of biometric recognition systems.
  arXiv  Detail & Related papers  (2021-05-14T03:07:25Z)
• Analyze and Development System with Multiple Biometric Identification [0.0]
  Methods developed earlier to ensure personal the information from the thefts was not effective and safe. Biometrics were introduced when it was needed technology for more efficient security of personal information. In biometric authentication system, user may not remember any passwords or carry any keys.
  arXiv  Detail & Related papers  (2020-04-10T05:08:54Z)

This list is automatically generated from the titles and abstracts of the papers in this site.

This site does not guarantee the quality of this site (including all information) and is not responsible for any consequences.