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      "text": "Banks (and all enterprises) hate making their consumers take an active action that is not directly related to executing a transaction as sometimes the extra step (PIN codes or selfies) cause you to put the phone down and not finish the transaction as it drives the buzz word “abandonment”",
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      "text": "All software applications that are installed on your phone track your behavior (how you hold it, how you type, where you go, how you walk and so on)... in milliseconds the software can tell if it's John or someone holding John's phone.",
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      "text": "As we showed in our previous bearish report on AUID on 2/17/22, the company has been claiming success with selfie facial recognition since 2018. It still hasn't caught on today, six years later.",
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      "text": "Similar to what Executive said, Daguro referring to a chip seems to suggest that your physical movement will become used more as an identity check in the future.",
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      "text": "The Executive told us that phones tracking your behavior will be the new second factor authentication, not selfies. Going into more detail, he said:",
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      "text": "From the WSJ podcast, published on 2/9/24: Rhon Daguro: It's absolutely the chip. Danny Lewis: As in putting a chip inside your body... Rhon Daguro: The number one use case for a chip is really to get the vitals of yourself.",
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      "text": "Rhon Daguro: It’s absolutely the chip. Danny Lewis: As in putting a chip inside your body that gives you up to the second data about everything, from glucose levels to the effect of medications. Rhon Daguro: The number one use case for a chip is really to get the vitals of yourself. We’ve created all these external sensors on our bodies to be able to do this thing to be more convenient. Then I think the next evolution is to be able to just use it to interact with your digital environment or your physical environment. — WSJ podcast",
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