As a trio of executives told PYMNTS in an interview, using thumbprints and selfies to identify ourselves online involves too much friction right now — at least if the companies employing these methods for verification are doing so piecemeal. But put them together in the right way with a host of supporting technologies, and you can create an optimal, multilayered line of defense against fraudsters and phishing scams — and lengthen customer life cycles in the process.