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Ask HN: Voice ID adoption at financial institutions

2 points by mmd45 ↗ HN
Given the inevitability of easy voice cloning[1], it seems irresponsible to be using voice as a positive authentication signal.

Unfortunately, major US financial institutions seem to be ramping up adoption of this technology[2].

Am I missing something?

[1] https://github.com/myshell-ai/OpenVoice

[2] https://www.schwab.com/voice-id

[3] https://www.fidelity.com/security/fidelity-myvoice/overview

5 comments

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daemon_9009
voice ID adoption won't work anyways, its not a secure way. consider a person has throat infection, his voice will obviously be deep due to the infection. if we spare that as well, openAI has launched a voice clone AI. Those who are using it now will eventually change it.
chrisjj
> its not a secure way. consider a person has throat infection

Sadly providers' narrow view of "security" fails to recognise that as a lack. It considers it merely an access interruption, workaroundable by fallback to backup methods of authentication, even if that's a costly in-person visit to the bank.

The bigger problem though is the whole idea that something so unsecretable and reproducible as voice should ever be considered for ID.

The sooner voice ID dies, the better, IMHO.

nimzoLarsen
TD bank uses your voice as an authentication test. When calling in, if you pass the voice test you don't need to answer further security questions.
chrisjj
Same at many UK banks, sadly.
caprock
My voice is my passport, verify me