Book chapter · CRC Press eBooks · June 19, 2025

Fingerprint vs. Voice

Francisco José Liébana-Cabanillas, Juan Francisco Prados-Castillo, Francisco Muñoz‐Leiva, Aijaz Ahmed Shaikh

Abstract

Rapid advancements in biometric technology are transforming financial and non-financial transactions by introducing biometric payment systems to improve transaction security and consumer trust. This study examines the user’s intention to use two major biometric methods, fingerprint and voice recognition payment systems, extending the Unified Theory of Acceptance and Use of Technology (UTAUT2) by incorporating Perceived Risk and Trust Theory. A survey was conducted with 224 potential BPS users to evaluate their intention to adopt these biometric payment systems. The major results showed that performance expectancy and social influence positively impacted the intention to use biometric payment systems, whereas perceived risk did not have any significant effect. Trust has emerged as a crucial factor in the use of biometric payment systems, highlighting the need to address privacy and security concerns. The findings also revealed that the type of biometric verification system influences user behavior; social influence has a greater effect on user intention to use voice recognition payment systems, whereas habit is more significant for fingerprint payment systems. These insights offer valuable implications for both theory and practice, emphasizing the importance of trust and social influence in promoting biometric payment systems. Future research should explore adopting and using other biometric technologies, such as facial recognition, and consider longitudinal studies to assess evolving user perceptions.

Technology Adoption and User BehaviourUser Authentication and Security SystemsBiometric Identification and Securityfingerprint recognitionvoice recognitionintention to use

Fingerprint vs. Voice

Abstract

More by Dr. Aijaz A. Shaikh