ICICI Bank Introduces Biometric UPI Payments on iMobile, Enhancing Security and Convenience
ananya
Ananya soch: ICICI Bank has launched biometric authentication for UPI transactions on its flagship mobile banking application, iMobile, marking a major step forward in secure and seamless digital payments in India.
With this new feature, customers can authorize UPI transactions up to ₹5,000 using fingerprint or facial recognition, eliminating the need to enter a UPI PIN for smaller payments. The move aligns with the growing demand for faster and more secure payment solutions in India’s rapidly expanding digital ecosystem.
Users can now easily perform peer-to-peer transfers, scan QR codes at merchant outlets, or complete online purchases through biometric verification. For transactions above ₹5,000, the traditional UPI PIN system remains in place, ensuring an added layer of security for higher-value payments.
The initiative effectively addresses concerns such as PIN exposure and shoulder-surfing in public spaces. By leveraging smartphone-based biometric capabilities, ICICI Bank has enhanced transaction security while maintaining a smooth user experience. According to a bank spokesperson, the feature reflects the institution’s commitment to offering innovative solutions that balance convenience with strong security standards, while also complying with regulatory guidelines.
The biometric UPI feature is available on the latest versions of the iMobile app — Android version 30 and iOS version 28.2. Android users can use fingerprint authentication, while iOS users can access Face ID functionality.
To activate the feature, customers need to log in to the app, navigate to UPI settings, enable biometric payments, and complete a one-time verification using their UPI PIN followed by device-level biometric registration.
With India’s UPI ecosystem witnessing massive growth and processing billions of transactions monthly, initiatives like this are increasingly important. Guided by frameworks from the National Payments Corporation of India, banks are adopting biometric solutions to reduce transaction failures and enhance trust.
This rollout reinforces ICICI Bank’s leadership in digital banking, setting a new benchmark for secure, user-friendly financial transactions.
