How to interact with online customers safely and efficiently

Online customers want convenient, yet personalized service from brands. They also want secure engagement when dealing with their personal account information. But trying to remember passwords and answers to security questions can get in the way of that convenience. What can brands do to alleviate that hassle? George Skaff has exciting news that companies will love and customers will appreciate.
By
Using voice biometrics and virtual assistants together provides the most secure and easy customer experience online.

What are two things that bother you the most when contacting customer service? Chances are you would say having to remember your username and password for each account and being put on hold to wait for the next available representative. But with many brands, you will not have to experience those concerns anymore. You may have even experienced one or the other of the following innovations that have made customer engagement worry-free.

 

Voice biometrics

Voice biometrics is transforming the contact center experience. And as we race towards one billion enrollments and a market size of $44.2 billion in 2021, we’re seeing security and ease of use as major drivers for adoption.

  • Better security for the consumer: Think of knowledge-based security as sprawl. When one level becomes ineffective, another level is added. PINS become passwords and passwords then require security questions to back them up. This is hard and stressful work for the customer, and it puts them further and further away from completing their intended task. Voice biometrics does away with all this. It uses the customer’s unique voiceprint for authentication. It can be passive, where the user can say anything and their voice gets matched to a voiceprint. Or it can be active, where the caller is asked to recite a passphrase. Either way, it’s a natural, effortless and much more accurate way to authenticate.
  • For the corporation: Knowledge-based security is easily compromised. The four-digit PIN is the weakest credential as it’s often shared and a brute force attack can quickly compromise it without any knowledge of the legitimate account holder. Passwords and security questions can be successfully answered with simple web searches of the account holder. Voice biometrics cannot be compromised in this way. Because a voiceprint is a hashed string of numbers and characters, a compromised voiceprint has no value to a hacker. Not only that, each time a fraudster speaks within an IVR, call center or mobile app, they leave behind their own voiceprint that can be used to proactively keep them out of the system and even alert law enforcement. The power of the voice really is in your hands.

 

Virtual assistants

Virtual assistants are becoming more popular for brands as consumers realize their convenience and brands cash in on the savings they provide. In fact, unique active consumer virtual assistant users will grow from 390 million in 2015 to 1.8 billion worldwide by the end of 2021. Here are two of the major reasons why this growth is occurring:

  1. Instant gratification: In our always-on, next-day delivery, 24/7 news cycle society, we’re used to getting what we want, when we want it — and if we can’t get what we want from one company, a reasonable substitute is often just a click or call away. Enterprises are under increasing pressure to provide instant, personalized, intelligent answers to any – and all – questions consumers have.
  2. Operating costs: Operating a large contact center is expensive – and growing more expensive by the day. More than 50% of customers call customer service when a company doesn’t reach them first, and according to Forrester, a typical transaction completed via a live agent costs upwards of $12 per call! Adopting a virtual assistant can significantly cut costs of each customer interaction, letting you reallocate that spend to other operational costs.

 

The best of both worlds

As mentioned before, you may have at one time or another experienced either a virtual assistant or authentication through voice biometrics; but have you experienced both together? Have you interacted with a virtual assistant and been asked to verify your account just by speaking or using face recognition?

Now you can!

Adding secure authentication to virtual assistant engagements allows enterprises to address a broader range of customer questions without requiring complex passwords or PINs. Nuance has offered this benefit through Nina ID since 2012. Nina ID uses voice biometrics to confirm the identity of the user by the sound of their voice, while at the same time fighting the increase in fraud that today permeates not only online channels, but phone, mobile, SMS and more. Meanwhile, the customer is still receiving the best in personal self-serve assistance via Nina.

And now, Nina ID 2.0: In addition to using your voice for authentication, you have the option to simply take a selfie. Nina uses AI-powered voice biometrics and face recognition to confirm the identity of the user by the sound of their voice and/or their face. Clearly, Nuance has the customer in mind when creating customer experiences, as is evident in Nina ID 2.0. With immediate engagement, strong security, seamless authentication, and active fraudster detection, customers can feel confident in their relationship with a brand.

To read more about this exciting news, find the Nuance press release on Nina ID here.

Let’s work together
Engage us

The Essential Guide to Voice Biometrics

Validating the identity of customers within customer service channels has become a critical component to enterprise security. In this guide, we provide an introduction to voice biometrics technology, real-world use cases across customer channels and three action steps to help you get started.

Learn more

Tags: , , ,

Let’s work together
Engage us
George Skaff

About George Skaff

As VP of Worldwide Marketing, George is responsible for all outbound and inbound marketing activities for the Nuance Enterprise Division. In this role, he oversees all customer marketing, field marketing, partner marketing, product and solution marketing and sets direction for PR and Industry Relations. He joined Nuance as part of its acquisition of TouchCommerce where he served as CMO. George has over 30 years of progressive experience in the computer industry, and has demonstrated a proven business expertise in marketing and strategic partnerships for various sized companies in high technology and services areas, in both the domestic and international markets.