U.S. Bank employees are piloting voice biometric software that enables customers speak a simple passphrase, such as “my voice is my password” to access a credit card account on a mobile device.
The system enables select credit card customers to use their voice to login with a spoken passphrase so they can access their account balances, search transactions and make a payment on their account in the mobile app.
The solution, from Nuance Communications, addresses growing consumer dissatisfaction with PINs, passwords, and security questions, while maintaining a secure system. With just a simple spoken passphrase, voice biometrics enables consumers to be securely authenticated when they connect with a service provider via a call center or IVR, a mobile app, or the Web, improving the overall service experience for the consumer, and delivering substantial time and cost savings to the enterprise.
This latest pilot expands the work U.S. Bank and Nuance began in April, where voice recognition was used for conducting basic functions, such as to view account balances, search transactions and make a payment on their accounts.