The next time you’re at your computer about to access sensitive financial information about, say, an acquisition, imagine if you didn’t have to begin by remembering the password you created weeks ago for this particular site: capitals, lowercase, numerals, special characters, and so on. Instead of demanding that you type in a username and password, the site asks where you had lunch yesterday; at the same time, your smart watch validates your unique heart-rate signature. The process not only provides a better user experience—it is more secure. Using unique information about you, this approach is more capable and robust than a password system of discerning how likely it is that you are who you claim to be.

Read all: Security and efficiency in a world beyond passwords | Deloitte University Press

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