The movement towards eWallets is a better UX than a pin, as the device is a witness factor (chip) while the device-level auth (passcode or <body part>Id) repres

The movement towards eWallets is a better UX than a pin, as the device is a witness factor (chip) while the device-level auth (passcode or <body part>Id) represents similar proof as a pin. The added benefit, here, is that users can order online with as much safety as at a terminal (Maybe I'm missing a nuance or two here?) and no terminal is necessary.