Graham A.N. Wright
11 June 2018

Why the issue raised around authentication is a fair one, and it remains a significant challenge, I think this analysis may suffer from selection bias.
MicroSave recent conducted a study on fertiliser subsidy distribution and looked at this issue.
Attempt Total farmers authenticating Success Failure %age successful
Ist 4407 2732 1675 62%
2nd 1675 1190 485 71%
3rd 485 353 132 73%
More 132 132 0 100%
All 4407 farmers were able to authenticate successfully in three or more attempts but still authentication success rate would be 66% considering each attempt as unique.