User experience

Meeting real life user convenience requirements



The key variables determining the end users recognized value, adoption rates and long term loyalties are:

1 Frequency of False Rejections (FRRs)
2 Speed of transaction/authentication process
3 Ease of enrollment

Frequency of false rejections

Over time users in most applications will stop using systems that generate a lot of false rejections. The following levels of false rejections (FRR’s) are considered acceptable – realistic to ensure long term usage in real world applications:

The required levels of convenience and testing will vary segment by segment.

ApplicationConvenience level FRR AveragesTesting regime requirement
Cards – Financial Inclusion< 2%Class 3
Cards – Retail banking< 1%Class 2
Cards – Government ID< 2%Class 3
Cards – Corporate Access< 1%Class 2
Cards – Niches< 1-2%Class 2
Government ID< 2%Class 3
Government ID India< 2%Class 3 *
Access Control – Devices< 1-2%Class 2 / Class 3
Notebooks – Commercial< 2%Class 1 or Class 2
Notebooks – ConsumersHighClass 1
SmartphonesHighClass 1


* Testing by the Authorities Certification mandatory

System Speed

In convenience focused segments like Retail Banking and Corporate Access, speed of the entire transaction will normally need to be faster or as fast as other alternative authentication methods. In security and fraud focused contexts like Government ID or Financial Inclusion, speed is normally not as highly focused. The relative importance of speed is commented segment by segment under Applications.

Ease of enrollment

Enrollment may be organised in enrollment centres using high quality sensor systems or remotely using the sensor within the card or device. In government ID, corporate access and financial inclusion payments, enrollment centres will be required. In convenience focused applications like retail banking and consumer market devices, it is unlikely that a significant percentage of the end users will be willing to spend time visiting an enrollment centre to queue up for a enrollment. In such segments remote, fast and easy one-touch enrollment must be offered. The relative importance of ease of enrollment is commented segment by segment under Applications. Further information related to enrollment is found under Advantages.



User loyalty
Long term frequency of use is determined by user experience over time
Typical false rejection requirements
< 1% in convenience segments and <2% in security segments
High speed
Dependent of applications, system speed requirement can typically range from 0.8 to 2 seconds.
Fast enrollment
Convenience focused users demand fast and convenient enrollment