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UIDAI introduces Fingerprint ‘Liveliness’ to curb fraud

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    Science & Technology
  • Published
    21st Sep, 2022


The Unique Identification Authority of India (UIDAI) recently introduced a new security feature to the Aadhaar Enabled Payment System (AEPS).

About the new feature

  • The security feature is called fingerprint ‘liveliness’ and is expected to help prevent using fake fingerprints to withdraw money through AEPS.
  • The new feature has been pushed to AEPS point of sale (PoS) machines via a software upgrade. 

What is Aeps?

  • AePS (Aadhaar Enabled Payment System), developed by the National Payments Corporation of India (NPCI), allows people to carry out financial transactions like withdrawing cash from their bank accounts, generating a mini statement, and making a balance enquiry with just their Aadhaar. 
  • It has enabled much simpler and more secure payment processes through mobile and internet banking using Aadhaar.
  • The service is interoperable, which means that any customer with an Aadhaar can use any AePS service provider to transact.

About National Payments Corporation of India (NPCI)

  • National Payments Corporation of India (NPCI) is an umbrella organization for all retail payments systems in India. 
  • It was set up with the guidance and support of the Reserve Bank of India (RBI) and Indian Banks’ Association (IBA). 
  • It was incorporated as a Section 25 company under Companies Act 1956(now Section 8 of Companies Act 2013) and is aimed to operate for the benefit of all the member banks and their customers.
  • Founded in 2008.
  • It has successfully played a pioneering role in development of a domestic card payment network called RuPay, reducing the dependency on international card schemes.

Financial Inclusion

  • This system has helped financial inclusion by providing access to banking services in rural and remote areas. 
  • In January 2022, there were more than 40 crore last-mile banking transactions every month across 50 lakhs Aadhaar ATMs, according to the statistics shared during the India Digital Summit 2022.

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