A computer-implemented method of electronically authenticating an identity of a user of a mobile device is described. The method includes providing a mobile device application that a user can load onto a mobile device having a display screen and an input device, the mobile application permitting the user to electronically authenticate an identity of the user. A server receives authentication credentials from the mobile device. The server compares the authentication credentials as received with account credentials stored in a database accessible to the server. The server, based on the comparing, generates an authentication code in response to the authentication credentials as received matching with account credentials stored in the database. The server causes the application to display on the display screen of the mobile device an option to electronically authenticate using a biometric credential. The server receives a selection indicating acceptance of use of authenticating using the biometric credential.