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{"text":[[{"start":6.55,"text":"A South Korean fintech company is betting payment by facial recognition will go mainstream after it signed up nearly 10 per cent of the country’s population for its service."}],[{"start":17.5,"text":"Toss, a fintech app used by nearly two-thirds of South Korea’s 51mn people, said its FacePay service had attracted 4.8mn users since its launch in September. Face scanners have been installed in about 330,000 retail outlets, mostly cafés, restaurants and convenience stores."}],[{"start":36.35,"text":"The company is targeting 10mn users and 1mn retail locations by the end of this year. “We aim to eliminate physical credit cards in Korea in three years,” said Junho Choi, who leads development of FacePay at Toss."}],[{"start":51.400000000000006,"text":"The service allows users to pay with just a scan of their face after they register with the Toss app and verify their identity with a government-issued ID card."}],[{"start":60.60000000000001,"text":"South Korea is already one of the world’s most cashless societies, with widespread use of cards and mobile payments. Consumers are also accustomed to biometrics — facial recognition is used for immigration clearance at airports and for entry to venues, such as baseball stadiums and K-pop concerts."}],[{"start":79.25,"text":"“Even taking a card out of my wallet is a hassle,” said Park Eun-ha, a 31-year-old beauty product developer who uses FacePay."}],[{"start":87.15,"text":"Kim Sang-hyeok, a café owner in Seoul, said about 10 per cent of his customers, “mostly in their mid-twenties to early thirties”, used the service. “The biggest benefit is that we don’t need extra staff for payments.”"}],[{"start":null,"text":"
"}],[{"start":null,"text":"
A customer interacts with a touchpad on a face scanner
"}],[{"start":100.30000000000001,"text":"South Korea is one of few markets where payment by facial recognition is commercially available. Chinese companies such as Alipay and Tencent have rolled out similar services, but they are only available in select locations and not as widely used as FacePay."}],[{"start":117.10000000000001,"text":"Analysts said South Korea could provide fertile ground to test the technology, as consumers tend to be less sensitive to privacy issues than in western markets."}],[{"start":127.55000000000001,"text":"Lee Jae-hoon, a 36-year-old game developer who uses FacePay to buy water from convenience stores while running, said his privacy concerns were comparable to those with cards or passwords."}],[{"start":138.45000000000002,"text":"Toss said it stored facial information and personal data separately in encrypted form and used both only with user consent. South Korea’s Personal Information Protection Commission approved the service in 2024 for commercial use, saying its encryption methods and security level met its standards."}],[{"start":156.4,"text":"“If FacePay becomes mainstream in Korea, we can expand overseas,” said Choi, as the company eyes global growth and a US initial public offering."}],[{"start":165.65,"text":"Competition at home is intensifying. Naver, South Korea’s dominant search engine, offers its own facial-recognition payment service but on a smaller scale."}],[{"start":175.75,"text":"“Consumers love the convenience, but there are still psychological barriers,” said Jeon Jaeyeon, a Naver Pay spokesperson. “Those barriers may fall as people encounter the technology more often.”"}],[{"start":188.7,"text":"Experts said biometrics could be more secure and less vulnerable to hacking than security codes but warned that breaches could be more damaging because facial data could not be changed like passwords."}],[{"start":200.79999999999998,"text":"Jin Kwak, a cyber security professor at Ajou University, said facial payment systems could see wider adoption if consumers trusted their security and reliability."}],[{"start":210.35,"text":"However, adoption might be slower in the US and Europe, where consumers tend to be more cautious about using biometric data for payments."}],[{"start":218.7,"text":"“Korean consumers tend to value convenience, while western consumers can be more sensitive about privacy and personal information,” he said. “The success of facial pay depends on how secure the service is.”"}],[{"start":237.04999999999998,"text":""}]],"url":"https://audio.ftcn.net.cn/album/a_1778226201_1075.mp3"}