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Email this9:54 pm
October 21, 2013
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Recently, when I called Tangerine, I was told I was going to be enrolled in Voice Recognition for identification.
This email followed:
"Dear (Loonie),
Just a quick note to confirm that you've enrolled to be a part of Voice ID.
With this exciting new feature, we'll be able to use your voiceprint to identify you, in case you ever have trouble entering your PIN when you call us. Now that you've enrolled, if you ever call to speak to an Associate and aren't able to enter your PIN, we'll compare your voice against the unique characteristics of your stored voiceprint to confirm your identity. This advanced technology will provide extra security, while simplifying the process of proving that it's really you calling in.
Remember, you can opt out of this feature at any time by letting us know over the phone that you no longer want to have the feature active.
If you have any questions about Voice ID, you may be able to find the answers in our FAQs. Otherwise, don't hesitate to call us at 1-888-826-4374."
I'm not a techie at all. What do y'all think of this? is it better or worse than the regular system?
5:36 am
November 8, 2018
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Loonie said
Recently, when I called Tangerine, I was told I was going to be enrolled in Voice Recognition for identification.
...
I'm not a techie at all. What do y'all think of this? is it better or worse than the regular system?
Remember Mr. Chekov (played by Anton Yelchin) in one of Star Trek movies, where he issued a voice command to the starship and that command was not recognized? He had to repeat himself.
This was the voice recognition system of the future, current ones could be even more challenging. As long as you speak very clear English (or French?) you should be fine, but if you speak with the accent or have a cold, that could be an issue.
I do remember when Rogers Cable had "voice recognition system" and I hated it - couldn't get through most of the time.
They got rid of it eventually.
6:21 am
August 4, 2010
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Alexandre said
Remember Mr. Chekov (played by Anton Yelchin) in one of Star Trek movies, where he issued a voice command to the starship and that command was not recognized? He had to repeat himself.
This was the voice recognition system of the future, current ones could be even more challenging. As long as you speak very clear English (or French?) you should be fine, but if you speak with the accent or have a cold, that could be an issue.
I do remember when Rogers Cable had "voice recognition system" and I hated it - couldn't get through most of the time.
They got rid of it eventually.
Mr Chekov was foiled by speech recognition. What I think Tangerine is doing is voice recognition - the computer identifies a unique combination of voice characteristics such as pitch, tone, timbre or whatever. As long as you used something close to your normal speaking voice, you could probably spout gibberish and have the system recognize you - it isn't trying to tell what you are saying, just that it is you saying it.
This would be different from phone systems which do try speech recognition, often to replace "press 3 to connect to Mortgages" with "say 'mortgages' to be transferred to a mortgage broker." Mr. Chekov might have trouble with those, especially if he's had a drink of wodka or is inquiring about the nuclear weactor wessels... 🙂
1:41 pm
October 21, 2013
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So, next time I call in and have cold, will they know me?
I suppose it could prevent drunks from making rash financial decisions.
4:23 pm
February 27, 2018
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Chekov had a lot of issues. I don't think he'll be coming back to earth any time soon.
11:28 am
July 5, 2019
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https://www.google.com/search?q=can+ai+%28defeat%7Ccrack%7Cfool%29+voice+recognition
Can AI defeat voice recognition? I hope banks are thinking about this.
9:31 pm
January 10, 2018
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I follow the IT security area very closely and WOULD NOT RECOMMEND using a "voiceprint" instead of a PIN because of the current advances in AI technology...
( The PIN with the maximum number of digits is strongly recommended...
i.e. 12 digits is better than 4 digits )
Here is an article on the the current advances you may want to reference:
" Microsoft’s new AI can simulate anyone’s voice with 3 seconds of audio"
Also, please note Tangerine's Statement Regarding Biometrics and Your Privacy:
https://www.tangerine.ca/en/privacy/statement-regarding-biometrics-and-your-privacy
Your voiceprint will only be accessible by: ... [ FOUR GROUPS !! ]
- Our employees who need the information in the performance of their duties for us,
Our affiliates, to:
- resolve your concerns about any related products and services with us
- assist in other required investigations
- Anyone who is otherwise authorized by law
.
In Summary, the banks/financial institutions "generally" implement new features focused on CUSTOMER EASE OF USE AND CONVENIENCE rather than security..
Service providers who need the information in the performance of their duties for us, and to satisfy their obligations to us, and,
5:11 am
November 18, 2017
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AI, hell. Those systems have already proven to be defeated by a voice recording. That's why the "say yes" phone scam was working. I don't know if they have a work-around yet.
RetirEd
RetirEd
2:12 pm
October 17, 2018
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Loonie said
Recently, when I called Tangerine, I was told I was going to be enrolled in Voice Recognition for identification.This email followed:
"Dear (Loonie),
Just a quick note to confirm that you've enrolled to be a part of Voice ID.
With this exciting new feature, we'll be able to use your voiceprint to identify you, in case you ever have trouble entering your PIN when you call us. Now that you've enrolled, if you ever call to speak to an Associate and aren't able to enter your PIN, we'll compare your voice against the unique characteristics of your stored voiceprint to confirm your identity. This advanced technology will provide extra security, while simplifying the process of proving that it's really you calling in.
Remember, you can opt out of this feature at any time by letting us know over the phone that you no longer want to have the feature active.
If you have any questions about Voice ID, you may be able to find the answers in our FAQs. Otherwise, don't hesitate to call us at 1-888-826-4374."I'm not a techie at all. What do y'all think of this? is it better or worse than the regular system?
Some tidbits from their statement on biometrics below
This is how you "enrolled and consented" :
You enroll in the Voice ID program by recording your voice speaking in natural conversation with an Associate over the phone. By doing so, you consent to us using your voiceprint to confirm your identity in case you ever have trouble logging in when you call us. 
Then near the bottom they have the gall to state : It's your choice
You can withdraw your consent for us to use your voiceprint at any time, but doing so will prevent you from using the Voice ID system in the future, unless you re-enroll. This means you'll be identified using the verification questions asked by our Associates when you call to do telephone banking.
If you choose to withdraw your consent for any reason, your voiceprint will be de-activated and retained as required or permitted by law.
As if you had a choice to consent. By speaking your consent is implied and if you change your mind they will keep your biometric data anyway, forever and you are back to answering your security questions, which would be my preference. To me this seems like a legal and underhanded way to obtain your voice biometrics. Pretty soon they be collecting more of it from you with your impicit consent of course.
Isn't this similar to walking into a convenience store and when you try to leave the door is locked and you are informed there is a $10 entrance fee that you consented to by entering the store. And you can withdraw your consent - as soon as you are outside. It's your choice.
2:16 pm
October 17, 2018
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kelbee said
https://www.google.com/search?q=can+ai+%28defeat%7Ccrack%7Cfool%29+voice+recognitionCan AI defeat voice recognition? I hope banks are thinking about this.
Here's another one:
2:38 pm
October 17, 2018
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Kidd said
Chekov had a lot of issues. I don't think he'll be coming back to earth any time soon.
The Terminator was what first came to mind when reading this thread. Starts at 10:10
12:52 pm
July 5, 2019
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Open AI announces Voice Engine:
https://openai.com/blog/navigating-the-challenges-and-opportunities-of-synthetic-voices
...Specifically, we encourage steps like:
Phasing out voice based authentication as a security measure for accessing bank accounts and other sensitive information
2:39 pm
March 14, 2024
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1. Cannot AI duplicate a voice?
2. Oaken “asks” you if you like to enroll on every call.
I see good and not so good for it. And am told the only thing it will do, is to avoid all the questions. But I imagine on their side there is more to it than what they say.
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