Voice biometrics can provide one-step frictionless authentication in a phased approach as per Bahaa Abdul Hadi. Therefore, it poses a challenge to the traditional authentication processes used for mobile payments. Voice biometrics can be a boon for smartphone users because they will have an easier and safer authentication method.

The potential of voice biometrics for frictionless mobile payments is very real because it eliminates the requirements of passwords. When mobile payments use voice biometrics, they employ speech understanding and voice recognition technologies.

Voice biometrics was designed to provide an easier alternative to mobile payments. It identifies a user by their voice by using voiceprint technology. So the user’s voice becomes their password.

How secure is voice biometrics for mobile payments?

Though the Voice Recognition method is not 100% foolproof yet, the real-time benefits that voice biometrics provide have made it an extremely promising biometrics technology. Two technologies that companies can use to deal with voice recognition fraud are Continuous authentication and Liveness detection.

Voice Recognition or Voice biometrics is one of the most secure recognition and authentication methods. There is the assurance of the highest level of security as it is extremely accurate.

Voice recognition is the type of MFA (Multi-factor Authentication) that is very difficult to hack because it uses a body part or function (speech or voice). A hacker needs to do impersonation which is a hard obstacle. Therefore, voice biometrics is a super-resilient security process.

The potential benefits of voice biometrics for authentication

Though voice biometrics technology faces a few challenges in maintaining security and privacy, accent recognition, and POS integration, it has many advantages.

The major benefits of voice recognition for frictionless mobile payments are:

  • Assurance of high security, as it is inherently safer. To create a breach, a hacker would need a huge amount of data and also time to train the algorithm
  • Superior User Experience, it is faster and more user-friendly.
  • More convenient and efficient as it is a form of remote verification
  • Non-transferable, voice biometrics is unique to a person and cannot be shared
  • Most Foolproof, it almost cannot be phished at all.
  • Voice biometrics cannot be forgotten
  • Safe from Dark Web. Voice biometrics to date is not available for sale on the dark web
  • No need of sharing confidential information over the phone
  • Disabled and elderly-friendly, it eliminates the need to remember passwords or type the answer to security questions
  • Live authentication process
  • Lower set-up cost for a business
  • Increases the productivity level of a company as voice biometrics uses much less time than traditional authentication processes

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