Both because someone could stole your money or authorize unwanted action.
What other way of preventing that do you propose? Fingerprint? I will will send the data of fingerprint. Facial recognition? I will just grab your profile picture. What kind of method do you envise that could prove you are you and not somebody malicious?
What other way of preventing that do you propose? Fingerprint? I will will send the data of fingerprint. Facial recognition? I will just grab your profile picture. What kind of method do you envise that could prove you are you and not somebody malicious?