As someone who actively researches biometric authentication, when I hear/read someone saying that biometrics are "usernames" and not "passwords", I automatically think they fundamentally misunderstand what a biometric is.<p>A biometric is both a 'username' and a 'password' - for instance, when you access your computer/device/whatnot you type in your username and your password to identify to the system that <i>you</i> are requesting access (on mobile the account is implied). When using a biometric, the system will have a stored template (similar to a password) that it associates to the system user account, and in ideal situations you (the user) do not need to do anything other than be present to access the system resources. It's a difference between identification and verification. Do you go to your friends each time they ask you something and say "are you so and so?", or have you already identified who they are? Based on the video it seems that MS is starting to understand this difference. Check out the video at ~2:35. He sits down at the login screen, and it just opens the desktop. For consumer applications this is really the goal of any biometric system.<p>Now spoofing and biometric template data being stolen are still real problems. Unfortunately, spoofing is not a very hot topic in the biometric field (usually conferences only have a relatively small percentage of papers on the subject), but given more consumer applications I'm hoping more funding will start to head that way. Concerning biometric template data, no you can't change it in it's most raw format, your fingerprint is static..that's what so great about it. However, there are methods such as key-binding where the template is itself encrypted with a private key. This however leads to more passwords... In any case, it's unfortunately up to companies like MS to start paving the way to successful implementations - if the data breaches we hear about almost monthly (Uber, Target, etc) are any indication, your password is just as at risk as your fingerprint.