Possible applications of voice authentication

  • Real time authentication in a contact centre / Financial transaction
    • Recently several reports of SIM Swap based frauds where fraudsters could gain access to OTP of bank account holders have been reported. Also, during festival times, OTP thru SMS gets delayed or undelivered, making it inconvenient to customers to complete transactions.
    • Also, when the customers call into contact centre, they are asked to prove their identity using ‘security questions’ which is not difficult for someone to find through Social Engineering with advent of technologies.

    • In order to avoid such irritations, Banks and financial services companies World-wide are deploying Voice Biometric solutions to authenticate the genuine users and prevent Identity Thefts / frauds online.

  • Proof of Life for Pensioners and Life Insurance Beneficiaries
    • Every pension payment has to offer easy proof of life method to senior citizens and veterans. Avoid the physical verification once a year and , in-person visit to pension offices / banks for proving that the retired person is alive. Authenticate retired professionals via mobile-based Voice Authentication (can also be done using landline). Ease of use for all stakeholders with no compromise on security. Govt pension payers can save money by avoiding wrong /invalidated payouts, by making it a real time process. ROI guaranteed in case of govt pension payouts. Lot of Insurance companies are also in the process of validating the beneficiary of Life Insurance policies (nominees as well) using Voice Biometrics.
  • Biometric Time & Attendance system for mobile workforce
    • Need to authenticate the mobile work force on the field with biometrics, securely, quickly and with least hassles. Use KSV biometric engine and integrate that with IVRS/self-care portal/contact centre solution.

 

      • Payroll tools like SAP, RAMCO, Oracle can be integrated with Kaizen secure voiz application, to generate field /behavior based time sheets, saving money and ensuring compliance.
      • Security agencies, manufacturing plants want to substantiate key human resources availability, reporting and performance.
      • This is effective for security guards, desk based agents, key outposts and sensitive installation management in pharma/research/space
  • Change of address or Billing etc. @ Telecom service providers
    • Can use KSV biometric engine with their contact centre automation engine or with IVRS. Maximum customer care, minimize contact centre costs, lower TAT and create differentiation for pre-paid/post-paid customers with ARPU levels. Customers can use their voice to authenticate for change of passwords, privileges, new services etc. Lower ARPU customers can be routed only to IVRS and higher ARPU to customer help desks, basis of successful authentication on Kaizen biometrics. Authentication of high value prepaid SIM users at all stages can be done using this technology. Dealer, channel sales conflict resolution across daily volume of transactions, can be addressed through voice authentication
  • Beneficiary tracking for CSR and Direct Benefit transfer schemes of Government
    • India has mandated new laws and made the role of CSR [corporate social responsibility] agencies bigger for supporting social development. Each funding donor [company, bank, trust] needs to know the exact presence, impact, continuation of a sponsored beneficiary over a period of 1 year. Implementation of other biometrics is expensive as projects are wide spread and need simple equipment. Voice Authentication can assist here as tele-density is close to 94% in rural India. Track, validate all end beneficiaries and authenticate NGO performance for further funding, based on actual impact [entrepreneurship, job placements/skill development]