The National Payments Corporation of India (NPCI) has released a document containing the technical specifications that banks and other institutional players can adopt to enable biometric payments, saying that correct implementation could give the country a competitive edge.The specifications aim to achieve an optimum utilization of smart phones and biometric authentication from the Unique Identification Authority of India (UIDAI), a press release from NPCI said.”The significance of this development is that merchants would not have to struggle as to how they themselves link with their banks. Software development task would be easier and payment can happen on a real-time, on a 'Request Response' basis,” it said.The security layer as at present remains unchanged. This would also facilitate innovations in a big way within the overall ambit of payments system regulations of the Reserve Bank of India (RBI), it said. “When implemented fully, India can be one of the leading countries in the world on such initiatives,” NPCI Managing Director and CEO A P Hota said.Last September, the NPCI has launched eKYC services in the market with payment solution provider, Oxigen to benefit the unbanked.Customers can provide their Aadhaar number and swipe their finger with the biometric scanner provided at select Oxigen outlets connected with Oxigen's GPRS Point of Sale Terminal or PCs.