Let's take a closer look
Card and PIN: a popular authentication method, used at bank tellers, ATMs, as well as for retail payments. It is moderately secure and considered convenient by most users, but knowledge can be transferred to fraudsters and/or forgotten by legitimate users.
Identity Documents: usually difficult to forge, they may be used for authentication or as an additional security layer to allow sensitive transactions. A document may (or may not) be verified via a dedicated software, then it needs to be matched to its holder via the picture it contains, or another biometric element. Visual inspection alone is very prone to errors.
Biometrics: since identifiers (fingerprint, iris, voice, vein patterns, face scans, and more) are unique and difficult to forge, biometric solutions are considered highly secure and effective in tackling fraud. Users like that they have nothing to remember, and the gesture is quick and convenient; on the other hand, they systematically require an enrollment process.