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Premium biometric card launches, like Eastern Bank and Mastercard’s metal card, show niche traction even as broader adoption slows amid cost and operational complexity in issuance and onboarding

August 27, 2025 //  by Finnovate

Goode Intelligence, and many other analyst companies, has previously been bullish on the prospects for biometric payment cards believing that a combination of strong consumer demand, consequences of COVID-19 to hygiene control in physical spaces (avoid touching a PIN PAD), and a move towards biometrics being the defacto payment authentication mechanism would lead to high levels of adoption. However, high levels of adoption have not materialized and Goode Intelligence has published more conservative forecasts for this technology in the recently published market analyst and forecast report on biometric payments published in January 2025 and updated in July 2025. For Biometric payment cards to be successful, card issuers need to buy into the idea that biometric payment cards are viable. Biometric payment card viability includes: Meeting stringent payment scheme card certification; Being cost effective and not too expensive (pilot cards are in the region of $20.00-$25.00); Having a reliable, scalable and cost-effective enrolment process; Having biometric sensors that are inexpensive, have low power consumption, meet certification criteria and are accurate. This is not to say that there is zero market for biometric payment cards. There is adoption and we are moving out of the pilot phase into production, albeit on a smaller scale than forecast in the early 2020s. In 2025, the focus on premium segments is a priority for the biometric payment card ecosystem, particularly in developing regions such as Bangladesh where in July, Eastern Bank (EBL) and Mastercard launched a metal biometric payment card using a fingerprint sensor supplied by IDEX Biometrics targeting the banks’ premium segment. These premium users will also have an Apple or Google Payment Wallet and will choose to use the biometric payment card to fit different scenarios and situations. There is also activity in Turkey, India, South America, Southeast Asia, Europe and Africa. In Colombia, banks are turning to biometric payment cards to reduce rampant card fraud in the region, a country where there is low EMV Chip and PIN adoption and a reliance on signatures for authentication.

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