The US is one of the last countries in the world to introduce a chip into our credit and debit cards.
The US is behind other countries when it comes paying for items with biometrics like a retina scan or even veins.
Mastercard, Visa, Apple, Samsung and Amazon already use some form of facial recognition.
Safer.me CEO Robert Siciliano said the good is that biometrics are an absolute certainty when it comes to identity.
"You are who you are. Your face, your fingerprints, your voice, and there is no better way to effectively authenticate and to say 'this is the actual person based on their features'," said Siciliano.
He says the bad is there's technology out there that can replicate or duplicate the person. Selfies can be faked into another person.
He said it's the creep factor that's keeping people from using biometric authentication, which could be moving at a faster pace in the US, if people felt their security and privacy were truly in place.
"We are still relying on a lot of older technologies to identify and authenticate and biometrics have just simply not made it prime time as they could," said Siciliano.
Juniper Research forecasts that mobile biometrics will authenticate $2 trillion in in-store and remote mobile-payments transactions in 2023.
Texas is one of three states that have enacted statutes governing biometric information privacy.