Lloyds Group voice recognition and their ever lengthening phone banking

pavane

I rarely use phone banking and when I do it is because I quickly need to use the automated system or speak to someone. I called this morning and discover Lloyds group has also gone on the voice recognition bandwagon. Since when has this been on? Do most customers even want this or like me do they skip it each time? I remember it was only a few years ago when you would call the number, punch in your account/card number, sort code and give requested pin and you were in and could easily use 1 and 2 for yes/no. I don't want to have a 2 minute conversation with a robot to check my balance or recent transactions. Most of the time, I don't even want people around me knowing I've called my bank and that is what I'm doing. Perhaps this is their way of pushing anyone below OAP age still not using mobile banking over to it so they can further spy on you.

Westie983

It started two months ago, but you don't have to use it if you dont want to, its just means you dont have to remember any passwords or numbers and allows you to use your voice which is deemed more secure then the numbers which could easily be used by the wrong person.

Its not anything to do with spying,

Westie983

EssexExile

I got this with MBNA today. "Say what you want", "did you mean"... I just gave up & waited for a human to pick up. I was quite surprised when they did within a minute or two on a Saturday.

vikkiew

There is no escape from Voice ID. It will request to be set up every time you call. It is marketed as "fast simple and safe". Very debatable.

18cc

Luckily, you can easily change your voice should hackers find a way to record your voice and then synthesise it.

Oh, wait...

Katiehound

HSBC have been using this for quite a while, possibly over a year?

The blurb is that it is hard to replicate your voice- not just the pitch, volume etc but how you say the phrase - speed, pause, emphasis etc. which you do naturally instead of relying on remembered numbers.

MABLE

pavane wrote: »

I rarely use phone banking and when I do it is because I quickly need to use the automated system or speak to someone. I called this morning and discover Lloyds group has also gone on the voice recognition bandwagon. Since when has this been on? Do most customers even want this or like me do they skip it each time? I remember it was only a few years ago when you would call the number, punch in your account/card number, sort code and give requested pin and you were in and could easily use 1 and 2 for yes/no. I don't want to have a 2 minute conversation with a robot to check my balance or recent transactions. Most of the time, I don't even want people around me knowing I've called my bank and that is what I'm doing. Perhaps this is their way of pushing anyone below OAP age still not using mobile banking over to it so they can further spy on you.

Anything that protects me from scammers then I'm all for it. Also if you find all this too much then ring via your app.

Shakin_Steve

If you're of a nervous disposition, and you know your voice is your identity, there would be a few pauses and possibly a stammer or two.:D

pavane

18cc wrote: »

Luckily, you can easily change your voice should hackers find a way to record your voice and then synthesise it.

Oh, wait...

Someone gets it, surprised how many who don't. Man trusting souls here for a savvy forum, how many programmes have there been on just the BBC alone in the last year or two that have easily defeated it?

Westie983 wrote: »

you dont have to remember any passwords or numbers and allows you to use your voice which is deemed more secure then the numbers which could easily be used by the wrong person.

Its not anything to do with spying,

Westie983

I did not say Voice ID was spying. I said making phone banking unappealing by introducing things like voice ID to drive customers to use the app is spying. The apps spy on your location and personal data. Yes, you can get around voice ID for now but it's clear they'll make it mandatory soon by the insistent promotion.

MABLE wrote: »

Anything that protects me from scammers then I'm all for it. Also if you find all this too much then ring via your app.

False sense of protection or use the app is the very choice I was complaining about.

Katiehound wrote: »

The blurb is that it is hard to replicate your voice- not just the pitch, volume etc but how you say the phrase - speed, pause, emphasis etc. which you do naturally instead of relying on remembered numbers.

Because blurbs are always correct and complete.

Nasqueron

Apps "spy" on your location lol. When you download the app it will ask for location permissions so they know where it's being used. It's a good anti-fraud measure


If you use your card in another country they know you are there. I had to confirm an uber transaction by text in Spain as the bank rightly recognised it as an unusual transaction (though why they ignored the previous 6 I had done I don't know....)


I setup the voice ID last time I rang, not used it since as I rarely use phone banking as it's quicker and easier to do it online. Banks still have to carry the can for fraud on your account