This is What a Poor Login Experience Looks Like

Your business is striving to create optimal experiences across all customer touchpoints. And there is one area that needs some attention: your mobile login process.

What’s the problem with your current login setup? It’s based on username and password type entries. It’s an outdated, clunky and frustrating process, which also happens to be insecure.

Here is a common chain of events which can occur when a customer tries to login into his or her account:

  1. Forgets username/password: The average customer has many different online accounts. Most have varying username and password combinations which are difficult to remember.
  2. Fails security questions: What happens when a customer can’t remember a username or password? The customer must request help via email. Yet in order to receive assistance, the customer has to answer security questions correctly. This can create further complications.
  3. Tries random combinations: If a customer can’t get past the security questions segment, he or she will most likely attempt to enter random username and password combinations hoping to strike the right one. This is usually a last ditch effort.
  4. Gets locked out: Finally, the inevitable happens: The customer exceeds the allowed number of login failures, and gets locked out of the account. The customer must then call customer service. This adds even more time to the login process. In some cases, the customer must wait until the following business day to speak with customer support, or wait 24 hours to try again.

As you can see, this type of login system does little to promote a positive customer experience.

Conversely, a voice biometric-based login is much simpler. All the customer has to do is speak a short phrase into a mobile microphone.

That’s all it takes. If the voiceprint is an exact match, the customer will be allowed into his or her account.

So let’s bring your mobile identity verification strategy into the 21st century. Click here to learn more about how VoiceVault, a global leader in voice biometrics, can help.


Register for a FREE Developer Trial Now

Experience Voice Biometrics with the ViGo Demo App

Better Biometrics: Why Voice Comes Out Ahead

Are you having a difficult time trying to decide between voice biometric identity verification and competing biometrics?

If so, consider this:

A new study from Forrester Research shows that voice biometrics has the most potential among all biometric options.  Here’s why:

  • Voiceprints are almost impossible to spoof. You’ve heard about the hacker who recreated fingerprints from a high-definition photograph. How about the biometrics specialist who printed the iris data of a German chancellor onto a contact lens? There’s also a method to defeat 3D facial recognition using a papier mache mask.

Unlike a fingerprint, which is basically just an image that can be duplicated, a voiceprint contains many different identifying factors like pitch, tone and the average amount of time between words. All of these elements make a voiceprint exceptionally difficult to reverse engineer.

  • Voice biometrics are highly secure. Other biometric data can easily be stolen and used against you. This became clear in 2015, when the Chinese took possession of 6 million fingerprints belonging to U.S. government workers. And the FBI has a face-recognition database containing as many as 411.9 million images. All of this data could potentially put people’s identities at risk.

It’s impossible to steal a voiceprint. There is nothing to take. Even if a hacker were to illegally access a voiceprint in a computer file, the data would appear as a meaningless string of numbers.

  • Voice biometrics can be reset if necessary. The biggest consumer fear about biometrics in general is that if someone obtains a biometric sample they can use it to launch continuous attacks against you in the future.

Voice biometric identity verification eliminates this risk. You can’t reset a fingerprint, but you can reset a voiceprint. If a breach occurs, users can re-register with a new passphrase and voice sample. Your original voiceprint would be useless to thieves. That’s simply not possible with any other type of biometrics.

If you want a security solution that customers can feel good about, contact VoiceVault today.


Register for a FREE Developer Trial Now

Experience Voice Biometrics with the ViGo Demo App



Understanding How Voice Biometrics Fits Into the Contact Center

Is your call center still using knowledge-based authentication to screen callers? If so, you’re exposing your contact center—and your customers—to an unnecessary amount of risk.

Contact centers are under significant attack from fraudsters these days. The amount of money being lost to fraud is higher than ever before. The productivity of call center agents is being largely swallowed up by customer identification processes. And customer satisfaction is dwindling as well, with too many challenge questions getting in the way of the process.

Fortunately, there is a solution in voice biometric identity verification.

Voice authentication is appealing for a number of reasons. First and foremost, the identification process is easy and natural. Simply speaking a phrase into the phone is enough to get the job done. In fact, a recent Forrester report named voice biometrics a key component of a 2016 trend to reduce friction in the customer experience. It also saves agents from the burden of having to determine whether or not a caller is genuine.

VoiceVault in particular is able to detect 99.98 percent of voice recordings submitted to our voice biometric engine. No matter what level of distortion a fraudster applies, the detection rate remains the same. This level of accuracy, especially as part of a multi-factor authentication solution, is all the security you need to combat call center fraud.

Voice biometrics is poised to become the standard for identity verification in contact centers across all industries. Banks are leading the charge, but other industries are following suit, including government agencies and healthcare organizations.

Find out more about voice biometrics and how it works here.


Register for a FREE Developer Trial Now

Experience Voice Biometrics with the ViGo Demo App


Leaked Passwords Are the Root Cause of Most Data Breaches

Right now every organization across the globe is vulnerable to data breaches. Consider the fact that in 2015 alone, there were 64,199 security incidents spread across 82 countries.

What’s interesting is that there is a striking similarity throughout the majority of confirmed breaches: 63 percent of confirmed attacks in 2015 involved weak or stolen passwords. Even Mark Zuckerberg was recently hacked due to a weak password.

So, what can be done to fix the problem of data breaches? It’s not just a matter of improving password strength. New types of malware, after all, are capable of breaking even sophisticated passwords. Businesses must therefore think beyond passwords, and embrace next-generation technologies to fortify their accounts.

Voice biometric identity verification is one such technology. An increasing number of organizations are now using voice biometrics to bolster their password system—or get rid of it altogether.

With a voice-based login system, your company can authenticate users through natural voice patterns. The unique characteristics of people’s voices make it extraordinarily difficult—if not impossible—to hack. With just a few seconds of speech, authentication is confirmed, and business proceeds as usual.

Best of all, there’s nothing for employees or customers to remember, and no extra equipment is needed.

So take steps now to address the weakest link in your information security measures. VoiceVault can work with you to build a better solution. Click here for more information.


Register for a FREE Developer Trial Now

Experience Voice Biometrics with the ViGo Demo App


The End of SMS-Based Two-Factor Authentication Is Near—Are You Ready?

If your business is using out-of-band SMS messaging in addition to passwords to secure customer transactions, you’ve officially been warned: SMS two-factor authentication is risky.

Companies have been using SMS to distribute one-time “secret” passcodes for many years. In fact, it’s the most popular anti-fraud method used by businesses today.

That’s all about to change.

Recently the National Institute of Standards and Technology (NIST) issued its latest draft of the Digital Authentication Guideline. The document warns that SMS-based authentication messages are insecure, saying that it is too easy for hackers to intercept or redirect messages. There is also no way to verify that the intended recipient is in possession of the phone.

According to NIST, “OOB [out of band verification] using SMS is deprecated, and will no longer be allowed in future releases of this guidance.”

One suggested alternative is voice biometric identity verification.

People typically think of fingerprints when they hear biometrics, but voice biometrics is a better solution. Fingerprints are more easily compromised by thieves. In contrast, voiceprints must meet a number of specific vocal requirements, including the pitch and tone of a person’s voice. In other words—a voiceprint is extremely difficult to reverse engineer.

Voice biometrics is also easier to administer, requiring only a few seconds of speech into a mobile phone.

VoiceVault’s voice biometric out-of-band authentication solution is the safest alternative available. It uses an out-of-band call to a user-registered phone number, or an Android/iOS smartphone-based app. Only the genuine account holder can complete the transaction by authenticating it with his or her voice. If the rightful owner is not in possession of the phone, the fraudulent transaction will be stopped before it starts.

Switch to voice biometrics now and send a strong message to your customers: Your protection is our priority. To find out more about VoiceVault’s out-of-band authentication solution, click here.


Register for a FREE Developer Trial Now

Experience Voice Biometrics with the ViGo Demo App


Want Customers to Use Your Mobile Banking App? Read This

Are you using security questions and passwords to protect your customers’ financial accounts? If so, hear this:

It may only be a matter of time before your customers take their business to another bank.

When it comes to banking, security is edging out other factors as the top reason for choosing a bank. A 2015 report from Telstra Global reveals the significant link between security and choice of institution. More than half of U.S. consumers cite the security of their personal information as the most important criteria when choosing a bank. In addition, two-thirds of U.S. consumers believe that biometric authentication is more secure than passwords.

Clearly, an emphasis on mobile authentication has the potential to attract and retain customers.

It’s time to take voice biometrics to the front lines.

Voice biometrics provides stronger protection than passwords, PIN numbers, and security questions. It also cuts the authentication time in half and increases customer satisfaction thanks to a more efficient process.

VoiceVault’s ViGo platform is a mobile voice biometric identity verification solution with a 99.99 percent verification success rate. Offer it to your customers as added security protection for mobile app login, transaction authorization, or as a convenient alternative to passwords. Just a few seconds of speech is all it takes to provide the robust security solution your customers are looking for.

It’s also incredibly easy to install, maintain and manage, with Amazon Web Services hosting included right out of the box. ViGo fits in easily with your existing Android and iOS apps—no IT department required.

To find out how easy it is to enhance your bank’s mobile-based authentication with ViGo, click here.


Register for a FREE Developer Trial Now

Experience Voice Biometrics with the ViGo Demo App


Is Contact Center Fraud Hurting Your Organization?

Right now, contact center fraud is running rampant. According to one report, a contact center that receives 40 million calls per year typically incurs between $17 million and $27 million in fraudulent transactions annually—and experts expect these numbers to go up.

Why is contact center fraud such a problem? It’s because many contact centers are using ineffective knowledge-based verification systems to identify callers. With a knowledge-based verification system, all a fraudster has to do is present the right credentials and he or she can easily manipulate an agent into providing access to a private account.

Of course, fraud loss is an age-old problem for businesses. But now contact center fraud is being coupled with the growing cybersecurity epidemic. Criminals are now preying on vulnerable contact centers to phish for information that they can use to launch future attacks against mobile devices and online databases. This practice is called pre-fraud. On average, about five pre-fraud phone calls are made before a hacker attempts to complete an actual fraudulent transaction against a company.

So, how can you put your foot down against fraud?

You should consider outfitting your contact center with a cutting-edge voice biometric identity verification system.

Here’s how it works:

When using voice biometrics, a caller first sets up a unique voiceprint at the time of registration. Once that person’s unique voiceprint is created, the customer simply has to recite it into his or her microphone when logging into an account.

From the customer’s point of view, the process comes across as natural, non-invasive and simple. It doesn’t require manually typing in information or reciting sensitive data aloud (like name, address or Social Security number).

This process is also highly secure, as the voice biometric engine will scan customers’ voiceprints for a variety of determining factors like tone, pitch and even the amount of time between words.

Voice biometric identity verification can help your business eliminate millions of dollars in fraudulent transactions while also boosting customer satisfaction levels by making account access easier.

To learn more about how VoiceVault’s voice biometric identity solutions can help your contact center, click here.


Register for a FREE Developer Trial Now

Experience Voice Biometrics with the ViGo Demo App


Developers: Have You Seen Our REST API Guide?

Calling all developers: Do you need to authenticate logins or protect in-app payments? Maybe your users need to track time and services rendered for offsite client visits, or verify their identities for accessing games or other services.

It doesn’t matter what your application does—it can become much safer with the simple—yet powerful—addition of voice biometric identity verification.

With the help of VoiceVault, it’s super easy to incorporate voice biometrics into your application, even with little to no prior experience. VoiceVault comes ready to use, meaning you won’t have to go through any configuration hassles. All you have to do is register, and we’ll provide you with full access to our turnkey solution.

But what if you want to go a step further, and develop custom phrases for enrollment and login? We’ve got you covered.

We also provide access to our ViGo Amazon Web Services environment and ViGo REST API—a REST-based XMI service for advanced developing. Using the REST API, you can incorporate your own audio recordings directly into your mobile application.

Our ViGo REST API guide will take you through everything you need to know about configuring and interacting with our API. You’ll learn how easy it is to interact with VoiceVault’s code.

So head over to VoiceVault’s support center, where you can find the ViGo REST API guide, as well as other great resources like our Library Developer Guide, starter tutorial, security framework and more. You’ll see how VoiceVault is committed to transparency and visibility.

Click here to get started!

Register for a FREE Developer Trial Now

Experience Voice Biometrics with the ViGo Demo App

Use Voice Biometrics to Secure Your Enterprise Smartwatches

Smartwatches and smart glasses, among other wearable technologies, are quickly proliferating among consumers. By some estimates, they’re even outpacing the growth smartphones. With 81.7 million people expected to use wearables by 2018 and a predicted CAGR of 37 percent between 2015 and 2021, this is a market that’s just starting to heat up.

And it’s not all about fitness and fashion, either. Increasingly, wearable devices are being used to access business data, from sales figures to medical information to real estate transactions, and everything in between. The use cases may vary, but there’s virtually no industry that couldn’t benefit in some way from the use of wearable technology.

But here’s the problem: Your wearable-equipped employees are making all that business data vulnerable to cyberattacks.

As wearable technology makes its way into enterprises, IT leaders may soon be struggling to manage a widespread security issue. These devices have the same security vulnerabilities that plague mobile devices, which present hackers with open doors to sensitive data and little resistance to entry.  In fact, in a recent survey conducted at the RSA Conference, 69 percent of respondents who use wearables reported not using login credentials at all for their device, a fact that’s especially disturbing considering that 56 percent of those users also reported using their devices to access business applications.

Already a proven technology thanks to its prevalence in high profile industries like finance, government and healthcare, voice biometrics is a natural choice for securing wearable technology. Voice biometric identity verification is extremely accurate, and is very easy to use. It can also be combined with other authentication modalities to provide the highest level of security assurance needed.

To learn more about Voice Vault’s voice biometric security solutions, click here.

Register for a FREE Developer Trial Now

Experience Voice Biometrics with the ViGo Demo App

Let’s Get the Facts Straight About Voice Biometrics

The more customers we speak with about voice biometric identity verification, the more we get the sense that the public has become increasingly comfortable with this exciting technology.

This is great to see, as just a few years ago when voice biometric identity verification was still in its nascent stage, it was being met with a surprising amount of confusion—and even fear—from consumers. Some, for instance, actually thought that biometrics in general could lead to physical harm!

Recent advances in the voice biometrics market, and the proliferation of this now popular technology, have greatly eased consumer concerns. Voice biometric identity verification is now very much in the public eye. And according to a 2015 report, global speech and voice biometrics revenue is expected to reach $5.1 billion by 2024 (it was valued at $249 million just last year!).

Still, myths abound about voice biometrics. Here are some of the most common ones that we receive:

Myth: It’s inconvenient for end users.

Truth: Compared to the number of passwords that most people are required to either write down or memorize, voice biometric identity verification is actually quite easy to use. After all, this solution doesn’t require any memorization. You just have to speak a short phrase into a microphone in order to gain access to the account. Plus, every mobile device comes with a built in microphone so it doesn’t require any extra hardware purchases. Voice biometrics can be easily downloaded and installed onto a device.

Myth: It’s not hack-proof.

Truth: While we can’t say that all types of biometrics offer a strong level of protection, voice biometrics do. That’s because a voice biometric engine will scan a voiceprint for a variety of identifying characteristics—and they all have to be a perfect match in order to grant entry. A voiceprint is much more comprehensive than a fingerprint.

Myth: It’s too expensive to actually obtain.

Truth: Voice biometrics are actually surprisingly affordable. It comes with a low cost of entry, there are no hidden fees, and you’ll ultimately save money by protecting against fraud. Check out VoiceVault’s tiered pricing model and see for yourself!

Register for a FREE Developer Trial Now

Experience Voice Biometrics with the ViGo Demo App