About Xavier Larduinat

Xavier Larduinat is Head of Banking and Payment Innovation at Gemalto.

Is this the end of the PIN code and password?

This is a guest post by Xavier Larduinat, Head of Banking and Payment Innovation at Gemalto. We’ve all struggled to remember complicated passwords when trying to access an online bank account, or forgotten a PIN number while making a payment in the past. We’ve come to accept it as a necessary inconvenience that helps to keep us safe – but wouldn’t life be so much easier if we didn’t have to use them? With huge strides being made in biometric

Seamless financial services: the challenge to deliver both security and convenience

This is a guest post by Xavier Larduinat, Head of Banking and Payment Innovation at Gemalto. Since the dawn of the smartphone just over 10 years ago, consumers’ approach to banking and payments has changed radically. For many, the ability to access account information or make payments via an app has become so prevalent that physically visiting a bank branch is a novelty. While specific services might still need to take place face-to-face, for most people a smartphone represents the