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NPCI may allow Aadhaar-based face authentication for high-value transactions

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National Payments Corporation of India ( NPCI ) is reportedly planing to rollout Aadhaar-based face authentication for high-value financial transactions in order to transform digital security and convince in India’s financial ecosystem. The proposal championed by the Unique Identification Authority of India ( UIDAI ) was discussed at the Global Fintech Fest 2025. As reported by news agency PTI, the senior officials present at the fest highlighted the potential of face-based authentication in simplifying and securing identity verification.

Face Authentication: The next leap in digital verification
As reported by PTI, Abhishek Singh, deputy director of UIDAI, said that face authentication offer a seamless and scalable solution for verifying users in sensitive transactions. Unlike traditional biometric methods that require specialized hardware, face authentication can be performed directly through smartphones—dramatically expanding the device ecosystem from 4 million to over 640 million smartphones in India.


“UIDAI is the foundational infrastructure. It’s the only way to surely know who is who,” Singh said, emphasizing the strength of India’s biometric database and the need for multi-factor authentication.


High-value transactions, simplified
If the Aadhaar-based face authentication system is implemented, then it would enable users to authenticate themselves using facial recognition linked to their Aadhar ID. It will also streamline the processes for large financial transfers, investment and other high-value operations. Singh further noted that NPCI is already aligned with the proposed concept and it may also soon announce its formal adoption.

Along with this, he also urged the financial institutions and banks to support this initiative, “easiest and quickest way” to confirm identity in a secure manner.

UIDAI officials stressed that the authentication framework is tied to secure devices and that face authentication could reduce reliance on OTPs and physical biometric tools.
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