India Post Payments Bank Rolls Out Aadhaar Based Face Authentication

India Post Payments Bank (IPPB) has rolled out Aadhaar-based face authentication for digital transactions across the country. The new feature is to make banking simpler for users who face difficulties with fingerprint-based verification, especially senior citizens and persons with disabilities.

Facial Recognition Replaces Biometric and OTP

The face authentication system allows customers to complete transactions using facial recognition, removing the need for physical biometric inputs or one-time passwords (OTPs). The technology has been developed under the framework provided by the Unique Identification Authority of India (UIDAI).

Services Covered Under the New System

The facility can be used for multiple services, including opening bank accounts, checking balances, transferring funds, and making utility payments. The process is for it to be contactless and is expected to reduce delays during high-traffic periods or emergencies.

Implementation 

IPPB, which operates under the Department of Posts, plans to make the system available throughout its network of around 1.65 lakh post offices and 3 lakh postal workers. Most of this network is located in rural areas, where access to digital banking services remains limited.

Background and Reach of IPPB

India Post Payments Bank was launched in 2018 with the goal of offering basic banking services at the doorstep. The bank uses a CBS-integrated smartphone system supported by biometric devices and offers services in 13 languages. It currently serves over 11 crore customers across 5.57 lakh towns and villages.

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Conclusion

The launch of Aadhaar-based face authentication is a step in expanding digital access through the existing postal infrastructure. The service is expected to benefit users who have faced issues with conventional verification methods, streamlining digital transactions in both rural and urban settings.

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