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2 Internet Scale Adoption of Biometrics Ubiquity First Era Adoption at Scale Single Platform & Use Case Second Era Use Case Expansion High Trust Use Cases on Single Platform Third Era Platform Expansion & Biometric Modality Fusion Adoption Curve 2

3 First Era: Finding the Magic Formula Reliability, Speed & Use Frequency Convenience Security Status Quo vs Improvement Risk Absolute vs Reduction 3

4 Pre-First Era: Lessons Learned Enterprise Laptops Swipe Sensors Convenience Security Risk 4

5 First Era: Right Solution & Timing Consumer Mobile Devices Touch Sensors Convenience Security Risk 5

6 First Era: Mobile Adoption Curve 100 s of Millions of Fingerprint Enabled Mobile Devices Shipped 6

7 First Era Summary: Viability at Scale 100 s of Millions of Fingerprint Enabled Mobile Devices Shipped User Adoption Today 100% 75% 50% 25% Biometric Use Case Unlock Device Unlock 7

8 Second Era Use Case Expansion High Trust Use Cases on Single Platform 8

9 Second Era: Emerging Use Cases Ubiquity of Enabled Devices Forms Platform for Additional Use Cases User Adoption Today 100% 75% 50% 25% Biometric Use Case Unlock Pay Transit Device Unlock Mobile Payment Transit & Top-Up 9

10 Second Era: Challenges & Gaps User Adoption Today 100% Is this fingerprint 75% allowed to unlock the device? 50% 25% Biometric Use Case Unlock Pay Transit Device Unlock Mobile Payment Transit & Top-Up 10

11 Second Era: Challenges & Gaps User Adoption Today 100% Is this fingerprint 75% allowed to unlock the device? 50% Is the account owner authorizing this action? 25% Biometric Use Case Unlock Pay Transit Device Unlock Mobile Payment Transit & Top-Up 11

12 Second Era: Challenges & Gaps User Adoption Today 100% Is this fingerprint 75% allowed to unlock the device? 50% Is the account owner authorizing this action? 25% Device Unlock Mobile Payment Transit & Top-Up Unlock Pay Transit Next Wave High-Trust Use Cases Biometric Use Case 12

13 Authentication vs Identity Assurance Device Unlock Mobile Payment Is this fingerprint allowed to unlock the device? Is the account owner authorizing this action? The modern identity stack 13

14 Second Era Summary: New Use Adaptation Higher Trust Biometric systems enhanced to provide confidence that individual / account owner authorizing this action Modern Identity Integration Biometrics integrated into operating systems, back end authentication/identity systems Use Cases Mobile Payment Transit Support for different use cases and risk models 14

15 Third Era Platform Expansion & Biometric Modality Fusion 15

16 Third Era: Modalities and Platforms Fingerprints Validated at Scale Mobile Iris Automotive Behavior Internet of Things Voice Payment Cards 16

17 Third Era: Modalities, Platforms & Use Fingerprints?? Mobile Iris?? Automotive Behavior?? Internet of Things Voice Payment Cards 17

18 Third Era: Sensor Fusion Fingerprints Iris Behavior = Fused Risk Score Providing the right level of authentication assurance for the device and use case Voice 18

19 Third Era: Mobile + New Platforms Role of Mobile: Activation & Enrollment? Primary/Secondary Authenticator? Integrated Experiences? Federation? Mobile Automotive Internet of Things Payment Cards 19

20 Internet Scale Adoption of Biometrics First Era Adoption at Scale Single Platform & Use Case Second Era Use Case Expansion High Trust Use Cases on Single Platform Building Blocks Third Era Platform Expansion & Biometric Modality Fusion

21 Thank you for your attention! For further information please contact: BEYOND KEYS AND PINS

22 Major Themes: Adoption at Scale Higher Trust Use Cases Modern Identity Integration Sensor Fusion & Risk Scoring Device Federation 22

23 Payment: Divergent Adoption Drivers Integration Complexity and Speed Convenience Security Account Holder Assurance Banks/Financial Revenue Linkage to Increased Revenue 23