Intelligent Voice Bots for Digital Banking

Kaur, Ravneet; Sandhu, Ravtej Singh; Gera, Ayush; Kaur, Tarlochan; Gera, Purva

doi:10.1007/978-981-13-8406-6_38

Cited by 12 publications

(7 citation statements)

References 6 publications

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“…Usage of DOB should especially be avoided since it is considered easily discoverable information (OPC 2016), especially with the spread of social media (Rabkin 2008;Irani et al 2011). Even with these warnings, some organizations such as banks (Kaur et al 2020;Murdoch and Anderson 2010;Smyth 2010), wireless carriers (Lee et al 2020), and email service providers (Li, Mehta, and Yang 2017;Al Maqbali and Mitchell 2018) still use DOB while authenticating users.…”

Section: Birth Dates In the Authentication Processmentioning

confidence: 99%

“…Historically, date of birth (DOB) was considered as private information; this is why it has been used widely in authentication. Even today, some organizations such as phone companies and banks still use DOB as one of several authentication questions when users phone in (Kaur et al 2020;Lee et al 2020;Robinson 2019). The treatment of DOB as private data can also be seen in the European GDPR regulation where DOB is legally considered to be personal data (Commission 2020) and is also regularly reported in data breach reports to the public as important personal information that may or may not have been lost during the breach (Jackson, Vanteeva, and Fearon 2019).…”

Section: Introductionmentioning

confidence: 99%

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From an Authentication Question to a Public Social Event: Characterizing Birthday Sharing on Twitter

Keküllüoğlu

Magdy

Vaniea

2022

ICWSM

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Date of birth (DOB) has historically been considered as private information and safe to use for authentication, but recent years have seen a shift towards wide public sharing. In this work we characterize how modern social media users are approaching the sharing of birthday wishes publicly online. Over 45 days, we collected over 2.8M tweets wishing happy birthday to 724K Twitter accounts. For 50K accounts, their age was likely mentioned revealing their DOB, and 10% were protected accounts. Our findings show that the majority of both public and protected accounts seem to be accepting of their birthdays and DOB being revealed online by their friends even when they do not have it listed on their profiles. We further complemented our findings through a survey to measure awareness of DOB disclosure issues and how people think about sharing different types of birthday-related information. Our analysis shows that giving birthday wishes to others online is considered a celebration and many users are quite comfortable with it. This view matches the trend also seen in security where the use of DOB in authentication process is no longer considered best practice.

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Section: Birth Dates In the Authentication Processmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

From an Authentication Question to a Public Social Event: Characterizing Birthday Sharing on Twitter

Keküllüoğlu

Magdy

Vaniea

2022

ICWSM

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“…People can check their account balance, find information regarding their IBAN code, products and services from the bank's portfolio, or they can ask for a statement of their account. It is still not accessible to all users around the world [3]. Technically speaking, a user's voice is saved through an algorithm, a series of ones and zeros, making it less susceptible to phishing or hacking.…”

Section: The Modern Approach Of the Banking Systemmentioning

confidence: 99%

Blockchain Disrupting Fintech and the Banking System

Stoica

Sitea

2021

The 7th International Management Information Systems Conference

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Nowadays society is profoundly changed by technology, velocity and productivity. While individuals are not yet prepared for holographic connection with banks or financial institutions, other innovative technologies have been adopted. Lately, a new world has been launched, personalized and adapted to reality. It has emerged and started to govern almost all daily activities due to the five key elements that are foundations of the technology: machine to machine (M2M), internet of things (IoT), big data, machine learning and artificial intelligence (AI). Competitive innovations are now on the market, helping with the connection between investors and borrowers—notably crowdfunding and peer-to-peer lending. Blockchain technology is now enjoying great popularity. Thus, a great part of the focus of this research paper is on Elrond. The outcomes highlight the relevance of technology in digital finance.

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“…These authentication systems use physical characteristics of individuals, such as voices, fingerprints, and faces for identification/verification purposes. 'Voice ID' [54] technology, for instance, is a speaker authentication technology that analyzes incoming audio signals and compares them to previously stored 'voice representations' and produces a confidence score of how closely the speaker's voice sample matches the voice representations. Despite biometric authentication/access controls enhancement to many applications, there are also associated privacy and security concerns [14,15,18,95].…”

Section: Introductionmentioning

confidence: 99%

Locally Authenticated Privacy-preserving Voice Input

Aloufi¹,

Nautsch²,

Haddadi³

et al. 2022

Preprint

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Increasing use of our biometrics (e.g., fingerprints, faces, or voices) to unlock access to and interact with online services raises concerns about the trade-offs between convenience, privacy, and security. Service providers must authenticate their users, although individuals may wish to maintain privacy and limit the disclosure of sensitive attributes beyond the authentication step, e.g., when interacting with Voice User Interfaces (VUIs). Preserving privacy while performing authentication is challenging, particularly where adversaries can use biometric data to train transformation tools (e.g., 'deepfaked' speech) and use the faked output to defeat existing authentication systems. In this paper, we take a step towards understanding security and privacy requirements to establish the threat and defense boundaries. We introduce a secure, flexible privacypreserving system to capture and store an on-device fingerprint of the users' raw signals (i.e., voice) for authentication instead of sending/sharing the raw biometric signals. We then analyze this fingerprint using different predictors, each evaluating its legitimacy from a different perspective (e.g., target identity claim, spoofing attempt, and liveness). We fuse multiple predictors' decisions to make a final decision on whether the user input is legitimate or not. Validating legitimate users yields an accuracy rate of 98.68% after cross-validation using our verification technique. The pipeline runs in tens of milliseconds when tested on a CPU and a single-core ARM processor, without specialized hardware.

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Intelligent Voice Bots for Digital Banking

Cited by 12 publications

References 6 publications

From an Authentication Question to a Public Social Event: Characterizing Birthday Sharing on Twitter

From an Authentication Question to a Public Social Event: Characterizing Birthday Sharing on Twitter

Blockchain Disrupting Fintech and the Banking System

Locally Authenticated Privacy-preserving Voice Input

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