Mobile payment adoption has declined , according to the Federal commission 's annual report , with only 10 % , the same figure as in 2014 , saying they used the technology . The major barrier is finding a convenient yet secure biometric solution . Boston - based Lux Research suggested a combination of " behavioural biometrics " ( swiping or typing errors ) , and facial and voice recognition could be the solution .
Mobile payment adoption has stalled, according to the Federal Reserve's annual survey, with only 28%, the same figure as in 2014, saying they used the technology. The major barrier is finding a convenient yet secure biometric measure. Boston-based Lux Research believes a combination of "behavioural biometrics" (swiping or typing patterns), and facial and voice recognition could be the solution.