In the banking industry, biometric scanners have not been used to their full potential and only as secondary authentication to credit cards. However, with new matrix switching touch screen technology, banks can create an extremely user friendly and secure solution for identification and authentication in banking. Instead of swiping their card and entering a PIN, a user can simply place their hand on a touch screen and be identified and authenticated biometrically to make a purchase or transaction with a merchant or at an ATM - a much more efficient and secure system. By removing credit cards and middleman credit card companies, the relationship between the bank, customers, and merchants will become more direct and personal. With a biometrically identified account, all aspects of a user’s banking needs will be linked through a cohesive cloud network. Receipts and transaction details will be sent as instant notifications to a user’s smart phone, greatly reducing paper waste and revolutionizing personal banking. Account information and history can be conveniently accessed on any mobile device through finger identification instead of time-wasting username and password interfaces. With this cloud based biometric identification technology, the future of banking has become more personal, efficient and secure.