A multimodal system that employs a plurality of sensing modalities which can be processed concurrently to increase confidence in connection with authentication. The multimodal system and/or set of various devices can provide several points of information entry in connection with authentication. Authentication can be improved, for example, by combining face recognition, biometrics, speech recognition, handwriting recognition, gait recognition, retina scan, thumb/hand prints, or subsets thereof. Additionally, portable multimodal devices (e.g., a smartphone) can be used as credit cards, and authentication in connection with such use can mitigate unauthorized transactions.