Online banking involves remembering passwords and countless security questions, but a bank in the Netherlands is hoping to simplify the process by rolling out a voice-activated system.
Dutch bank ING Netherlands has released the voice-activated payments through its mobile banking app, providing a quick and easy alternative to entering your PIN. Customers of the bank can now log-on, check their balance and make payments simply by speaking. “Thanks in part to the inclusion of biometric(生物识别的) applications, we are able to make banking faster, smoother and easier for our customers and improve access,” said Jeroen Losekoot, Internet & mobile marketing manager at ING. “This allows them to have greater control over their finances.”
The technology for the voice-activated payments system is being supplied by biometrics company Nuance, who specializes in speech recognition services. Nuance has been using voice biometrics via their virtual assistant Nina to simplify access to a large number of services over the years, from reserving theatre tickets to booking flights. The company had already been working on the ING Netherlands mobile banking app, helping customers with tasks within the app.
While voice passwords for mobile banking is relatively new, many banks have been quietly using “voiceprints” — like a fingerprint(指纹) but for human voices — to reduce fraud. Many of the current security procedures in place by banks are good, but they’re not totally safe— anyone could theoretically access your account if they had your bank card and password. But copying someone’s voice is much more difficult, and it’s for that reason many banks are now turning in that direction to provide added security.
In an investigation last year, it was revealed that businesses and even governments are increasingly turning to voiceprints. This is apparently being used by some when people pay pensions, collect taxes, track criminals, replace passwords and more. But the technology is not being well-communicated to customers, with the roll-out seemingly taking place behind closed doors. However, Nuance is confident in it, “The technology is here today, well-proven and commonly available.”
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