Digital passports allow identity verification to be digitized

Georgia urges residents to wear clothes in driver's license photos

A program in Georgia allows residents to create digital IDs from home for quicker passage through airports, and officials have had to warn users to be clothed in the photos they produce for the ID.

Microchips in payment cards improve security by generating unique transaction codes

Magnetic strips store unchanging data that is easily cloned, but microchips act as miniature computers that encrypt sensitive data. They also resist fraud by creating data unique to each transaction, preventing duplication.

China is making a deliberate push towards becoming a cashless society, making digital payment services like Tencent's WeBank even more valuable.

Visualize how passkeys, which rely on asymmetric cryptography to authenticate users, work

After using biometrics or a PIN to access the private key stored on a device, it is combined with a random number generated by the site to produce a cryptographic signature. This signature is verified using the site's public key, allowing a user to log in without entering a password. This reduces the risk of fraudulent messages—phishing attacks—and data breaches.

On credit and debit cards, magnetic stripes have been slowly replaced by microchips that use dynamic, encrypted data to prevent card cloning and counterfeit fraud.

Worldcoin: the cryptocurrency collecting biometric data

An ambitious project launched by OpenAI's founder Sam Altman, Worldcoin aims to provide a global financial and identity network based on proof of personhood through biometric scanning of individuals' irises.

Why there are microchips in credit cards

Credit cards have evolved significantly since their invention in 1950, but security lagged in the US for years. Despite handling only a quarter of global transactions, the US once accounted for half of all credit card fraud. The 2013 Target data breach helped push the adoption of chip cards, reducing fraud but shifting risks to online scams.

Passkeys, a new authentication method, aim to replace traditional passwords

Passkeys use cryptography keys to secure logins without passwords, resisting phishing and risks from data breaches. The FIDO Alliance developed passkeys as a combination of public and private keys for authentication.

Paper boarding passes have become rarer in recent years

Many travelers have shared their attachment to the documents as their utility fades. This sharply illustrated timeline reviews the development of the paper boarding pass as technology evolved.

Fraud and identity theft are among the most common dark web-related crimes.

Apple Pay is activated on more than 78% of US iPhones

As a result, some banks worry they could be losing ground to the tech company. As consumers continue to use Apple Pay instead of pulling out their physical debit card to pay for everyday items, some banks are fighting back in the digital wallet war.

Digital twins create real-time 3D models of smart cities

These re-creations allow city planners to track changes and manage infrastructure more easily by testing strategies in virtual environments. Geospatial technologies, such as mobile mapping and satellite imaging, help cities assess urban layouts, plan for disasters, and manage resources more efficiently.

Owned by Tencent, WeBank was China's first digital bank and services 340 million customers.

AI-generated avatars allow users to create deepfakes in real time

Synthetic media tools can map voices and faces to make individuals appear as someone else. Although they open the door to new opportunities in immersive education and entertainment, they also raise concerns about the misuse of personal identity.

The US Currency Education Program created a guide to authenticating currency

This video was created to teach everyday people a few easy ways to spot some counterfeit banknotes. Specifically, it outlines the main security features to check for that are common across many US banknotes, such as the color-shifting ink visible when tiling US banknotes $10 or higher.

As of 2026, age verification systems on online platforms have included the collection of personally identifying information, such as government IDs, and biometric age checks that rely on AI-based facial recognition.

Being a 'digital nomad' has become more common since the pandemic popularized remote work

Digital nomads are people who often work remotely without a specific home base, traveling from country to country or city to city, often without returning to a home address in-between.

Audio deepfakes have fooled voice biometrics at banks

Limitations in facial and body movements as well as mismatches between audio and lip movements can sometimes help flag a video as a deepfake, but removal of the video component significantly improves AI mimicry.

NFTs create a unique digital signature to prove ownership

NFTs create digital certificates for unique online collectibles, mainly on the Ethereum blockchain. Artists can leverage NFTs to verify their online works.

Google data centers possess six layers of security

Property boundaries, such as anti-climb fencing, overlapping cameras, vehicle crash barriers, and circulating patrols, are coupled with lobby iris scans and ID and badge checks. The security operations center monitors individuals throughout their visit, including the less than 1% of Google users who ever receive permission to visit the data center floor.

Creating a digital alternative to the traditional Chinese 'red envelope' payments helped spur WeChat's financial services growth, and helped it become a 'superapp.'

In China, deepfaking a dead loved one has become a growing industry

Digital replicas of the deceased provide individuals with another way to process grief in a culture with long-standing traditions of communicating with ancestors. The emotional and ethical implications of "digital immortality" are complicated further by cases of actors impersonating deceased relatives during deepfake video calls to hide their deaths.

Early 20th-century ID cards protected transgender people in Germany using hormone therapy.

Customers wrote just one check a year in 2024, on average

Major retailers like Target have stopped accepting checks in recent years as real-time payment systems are increasingly being implemented across the US. This shift is considered an improvement in safety—as checks are vulnerable to fraud—but can lead to some exclusion for those without access to digital devices.

The WWII passport forgers who saved thousands of Jewish lives

Amid the chaos of Hitler's authoritarian Europe in World War II, Polish diplomats based in Switzerland used the classic toolkit of thieves to help free thousands of Jews: they perfected the art of forgery, faking passports secretly donated by sympathetic Latin American countries. Read the incredible tale of heroism here.

Gas stations top the list of riskiest places to use a debit card

Unlike credit cards, debit cards withdraw funds directly from your checking account, and federal laws provide fewer consumer protections against debit fraud. Gas station "skimmers" and long periods of separation from the card at restaurants are some of the more vulnerable spots for use.

Digital healthcare is helping emerging economies

In a world that is rapidly becoming more digitized, low and middle-income countries (LMICs) are trailblazing a path to cohesive digital healthcare ecosystems. This article from McKinsey & Company analyzes the different digital healthcare strategies...

AI could be increasing the opportunities for financial fraud

Systems that can reproduce near perfect counterfeits of legitimate financial documents are increasingly prevalent and sophisticated. The international Association of Certified Fraud Examiners estimate organizations lose about 5% of revenue to fraud each year.

Digital re-aging and de-aging of faces in film and TV has become increasingly common

Traditional techniques for accomplishing this process were slow and labor-intensive, and often required manual frame-by-frame edits, forcing them to be reserved for "hero characters" and close-up shots. Deep learning methods used by Disney and other production companies now provide fully-automatic and production-ready methods to produce such deepfakes for entertainment purposes.

Contactless credit cards descend from a batteryless Cold War listening device

The same physics that let Soviet spies eavesdrop on the US ambassador in 1945 underlie contactless payment methods today. The device is a passive chip powered wirelessly by incoming radio waves.

A 1912 congressional bill attempted to prohibit fake photos in the US

In the 1800s, photographs were held up as indisputable resources of truth. But the photography industry devised ways to alter photos, resulting in the rise of fraudulent photos—from shots with celebrities to the turn-of-the-century version of fake nudes—prompting government intervention.

The REAL ID requirement was passed in response to the 9/11 attacks, but was not implemented until 2025.

Mixed reality devices can turn digital information into 3D experiences

Described as "wearing a theme park on your face," devices like Microsoft's HoloLens project images into users' eyes so that their brains believe virtual objects are actually there. The bulkiness and physical limitations of existing headsets are expected to lessen over time, mimicking the evolution of early headphones.

The Australian $5 bill has an image of a bird that glows when exposed to UV light

That’s just one of the many anti-counterfeiting security measures that the Australian government implements on its currency. Popular banknotes from around the world all include their own unique security features—this infographic outlines a few unique ones.

Every printed bill has its own unique serial number

In the US, each bill also has its own plate number, series year, Treasury seal, and more. Each design helps track money and combat counterfeiting.

Decentralized applications are blockchain-based and run without a central authority

These apps use smart contracts to automatically execute functions, ensuring security, transparency, and censorship resistance. Built on platforms like Ethereum, Solana, and Binance Smart Chain, DApps power DeFi, NFTs, gaming, and social media, offering users control over their data and assets.

In 2020 digital coupons accounted for 29.3% of all coupon redemptions

That’s compared to 28% for physical coupons, representing the year the balance of power shifted in digital’s favor. The COVID-19 pandemic era’s lockdowns increased online shopping, which accelerated digital coupon adoption.

Explore a visual timeline of fintech’s history and growth

From the debut of the world’s first ATM in 1967, to Apple Pay launching in 2014, financial technologies have come a very long way in a relatively short historical period. A colorful visual timeline highlights some of the most important milestones along the way.

Some argue that advance payday apps aren't markedly different from payday loans

Some apps, like EarnIn, allow users to get money from their paycheck in advance. These apps access users' banking information, allowing the company to immediately take back any borrowed money and track users' financial situations to evaluate their risk. Unlike traditional payday lenders, these apps often waive the right to sue users who don't pay back the initial principal and don't charge interest, but rather ask users for a tip. (Some users may experience a paywall.)

The Paypal-owned Honey app and RetailMeNot are popular places consumers find digital coupons today

With digital coupons overtaking physical ones as the most commonly redeemed coupons, customers flock to these sites and apps for coupons and discount codes, often checking multiple of them before making an online purchase.

Mixed reality devices and other wearables may usurp smartphones

The integration of smartphone features into watches, glasses, and even clothing suggests future technology may be geared toward working independently in the background. Mixed reality technologies are expected to facilitate this ambient computing world by seamlessly and proactively displaying real-time content without physical interactions solely in the real world.

It's unlikely that we will ever live in a completely cashless world

Although countries like China are moving toward a cashless system, many other countries still rely on physical money for everyday transactions. This article dives into the future of currency and includes a map of the percentage of adults who do cashless transactions around the world.

Chip-based 3D printers can be pocket-sized and involve no moving parts

Researchers have demonstrated a proof-of-concept version of a chip-based 3D printer that emits visible light onto light-sensitive resin to construct solid shapes. The technology may provide a portable, low-cost solution for future, small-scale fabrication needs.

Watch a video that visualizes what really happens inside a credit card network when you make a purchase.

Once limited to expert studios, automated tools can create convincing deepfakes

Although the best deepfakes are engineered using generative adversarial networks where systems compete to create and assess fake data until the two cannot be distinguished, simpler tools have allowed nonexperts to develop deepfakes for financial scams, political deception, and nonconsensual pornography.

Deepfakes came to prominence in the form of nonconsensual pornography

The explosion of deepfakes depicting renowned people in both ridiculous and compromising videos has provoked widespread fears they will undermine public trust in authoritative knowledge. However, some scholars argue that real videos will always be distinguishable from deepfakes via the video-sharer's testimony and a broader social context.

62% of online shoppers search for coupons or discount codes before making a purchase

Capital One estimates that 169.2 million Americans redeemed digital coupons in 2025. The bank compiled many different coupon statistics on how both shoppers and businesses used coupons last year, most of which reveal the increasing dominance of digital coupons over physical ones.

Deepfakes images can be identified by visual elements that do not match real-world phenomena, including asymmetric eyes or earrings, surreal backgrounds, and indecipherable background text.

Take a quiz to identify whether you can spot deepfakes

Advances in artificial intelligence have made deepfakes increasingly difficult to identify, as they are intentionally designed to appear real. The technology has exacerbated some of the problems brought on by digital editing tools like Photoshop.

Audio deepfake tools can now impersonate anyone in real time

A cybersecurity company developed a tool that mimics a person's voice with no noticeable delay using only publicly available software, hardware, and voice samples, allowing users to have seemingly authentic conversations while pretending to be someone else.