In the digital transformation of retail and ecommerce, mobile payments are moving away from any association with a physical card. Modern implementations of voice, face, touch, eye, and palm scans ensure someone is exactly who they say they are as biometrics are completely unique to the user. Decentralized authentication is significantly more trustworthy in that users’ personal credentials always remain safe on their device. Uber data breach incident demonstrates how damaging security incidents can be to large enterprises that handle a tremendous volume of account and payment data.”]