What’s New on Bank of Baroda’s bob e-Pay App? Three Features for Smarter UPI Transactions

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Mumbai, May 28 (APAC Media): Bank of Baroda has announced the launch of three new features on its UPI payments app, bob e-Pay.

The newly introduced features are Mobile OS-native biometric authentication for payments, UIDAI-based face authentication for setting/resetting UPI PIN, and Internet of Things (IoT)-based payments.

What are the new features about?

1. Mobile OS (Operating System) Native Biometric Authentication for UPI Payments- With the Mobile OS-Native biometric authentication feature, customers can now authorise UPI transactions up to Rs. 5,000 using a fingerprint or face ID registered on their mobile device, enabling faster, seamless, and more secure payments on bob e-Pay.

This feature enables PIN-free transactions, eliminating the need to remember multiple PINs and making everyday payments quicker and more intuitive. It also strengthens security by ensuring that only the registered device owner can approve transactions through device-level biometric authentication, significantly reducing the risk of fraud or misuse.

Customers will have the flexibility to choose between UPI PIN and biometrics for transaction authorisation. This feature supports both Person-to-Person (P2P) and Person-to-Merchant (P2M) transactions, as well as balance enquiries, delivering a frictionless user experience.

2. UIDAI-based face authentication for setting/resetting UPI PIN- The Bank has also introduced Aadhaar-based face authentication to set or reset UPI PINs, reducing reliance on debit cards and OTP-based Aadhaar verification. The UIDAI Face Authentication feature allows users to verify their identity through facial recognition and securely set or reset their UPI PIN using Bank OTP.

3. Internet of Things (IoT)-based UPI payments- The bank has also enabled UPI payments through IoT devices on the UPI Payments app, expanding the scope of digital payments beyond smartphones. Customers can now link supported connected vehicles and smart appliances to bob e-Pay and conveniently make UPI payments directly through them.

Leadership insights

Speaking about the initiative, Sanjay Mudaliar, Executive Director, Bank of Baroda, said, “Customers today expect digital payments to be seamless, intuitive, and secure. With these new capabilities on bob e-Pay, we are simplifying and enhancing the user experience while strengthening security. These innovations reflect our continued focus on delivering future-ready digital banking solutions for our customers.”