Settings-only availability
Passkeys exist in settings, but most users never encounter a strong creation or usage moment.
This is where the three KPI layers compound into one number. Platform readiness sets the ceiling, enrollment fills the credential base, login frequency controls speed and login-entry design decides whether existing passkeys are actually used.
Automatic creation, one-tap recognition and identifier-first recovery make passkeys the default return path.
Passkeys exist in settings, but most users never encounter a strong creation or usage moment.
Creation moves, but the login screen still lets many users fall back to the familiar password path.
Segmented nudges and better login discovery turn coverage into a visible passkey login rate.
Automatic creation, one-tap recognition and identifier-first recovery make passkeys the default return path.
Login frequency is not a fourth factor in the formula. The same readiness, enrollment and usage values reach the same passkey login rate regardless of how often users return. Less frequent logins just mean it takes longer to get there, because each user sees fewer creation and usage moments per year.