Technological, organizational and financial features of using biometric services

Objective: to identify and analyze the technological, financial and organizational features of the use of biometric services by enterprises in the Russian economy.

Methods: general scientific methods (analysis, synthesis); case studies of the introduction of biometric services through GIS National Biometric System in 2024–2025; abstract-logical and correlation analysis of statistics of the Bank of Russia for the 1st quarter of 2024 – 2nd quarter of 2025; and a dialectical approach to considering biometrics as an evolving system.

Results: the research showed that the transition to a centralized model of working with biometric personal data through GIS National Biometric System and commercial biometric systems has formed the service architecture of the biometrics market in Russia. This architecture requires integration of software, hardware, information security and communication infrastructure at the levels of enterprises and macro-infrastructure. Correlation analysis of the statistical data of the Bank of Russia for 2024-2025 revealed a strong positive relationship between the dynamics of payments using biometrics with QR-code and mobile/Internet banking. The author interprets this as the inclusion of biometric payments in the general development of digital payment instruments in Russia.

Scientific novelty: the novelty of the work lies in the comprehensive characterization of the technological, organizational and financial configuration of the biometric services market in Russia under the centralization of working with personal databases. This allows considering biometrics not as an isolated innovation, but as a structural element of the digital service infrastructure. The author clarified the role of the service business model and system integrators as key nodes of the institutional and technological architecture of biometric solutions affecting the structure of transaction costs and operating costs of enterprises. The proposal is to interpret the dynamics of payments using biometrics by their statistically confirmed connection with other digital payment tools, regarding it as an indicator of the integration of biometrics into the economic agents’ daily practices.

Practical significance: the results will be useful for the development of the biometrics market in Russia, increasing its sustainability, as well as for interdisciplinary research using a combination of qualitative and quantitative methods.

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