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HSBC and First Direct introduce biometric banking

HSBC and First Direct customers will soon be able to access their accounts with voice and fingerprint recognition.

The two banks will roll out voice biometric security technology to 15 million customers in the coming weeks.

This is the largest roll out of such technology seen in the UK so far and will significantly improve banking security.

It also means customers can access their bank accounts quicker, using the most secure form of password technology – the body.

The move falls in line with recent research from YouGov, which found more than a third of consumers thought traditional password measures were outdated.

More than half also admitted they used the same password across all their online accounts and rarely updated it, leaving them vulnerable to fraud.

With fingerprints and voices being unique, this move provides a simple alternative to the traditional password system.


What is biometric banking? The science behind it: 

The voice biometrics technology is supplied by Nuance Communications. It works by cross-checking against over 100 unique identifiers and includes both behavioural features such as speed, cadence and pronunciation, and physical aspects including the shape of larynx, vocal tract and nasal passages.

Customers who opt-in, simply enrol their ‘voice print’ and are no longer required use their current telephone security password letters or PIN.

“Voice biometric security will completely transform the way customers interact with their bank. The technology is some of the most sophisticated on the market, not only measuring what you say but how you say it,” explained Robert Weideman, executive vice president and general manager for the Enterprise Division of Nuance.

In relation to touch ID, the mobile banking apps will incorporate advanced technology used by Apple, allowing customers to access accounts by scanning their fingerprints on their Apple devices home button. Touch ID is currently available on all Apple mobile devices for both HSBC and First Direct. Customers simply need to download the mobile banking app and follow the instructions to link their fingerprint to it.

First Direct will roll out Voice ID in the coming weeks, followed by HSBC in the summer.

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Reduce your grocery bill by 70% this summer!

The kids are off school and they are going to be hungry – inevitably, the next few weeks will see the cost of your weekly shop shoot up.

To help families keep the costs of food shopping down, MMM put Approved Food to the test, which can help slash the cost of shopping by as much as 70%.

There is of course one catch – the food is past or close to its sell-by date, but perfectly safe.

With a £30 budget, MMM managed to bag a fair amount – cereals, tinned food, sweets and treats, drinks and even laundry detergent and dishwasher tablets – the sort of things where you can generally ignore the date stamped on the product.

If you’ve tried reducing the cost of the grub by switching brands or shopping at discount stores but think you can do better, then try Approved Food  – you’ll be surprised at just how much you could save on some store cupboard essentials.

New products are available everyday and there are some real bargains. For example, Sprite Zero 330ml for just 29p or a 2kg Reeses Peanut jar for just £2.99. There’s even stuff for pets, at more than 50% off.

MMM was really pleased with service and surprised at just how at just how much £30 would buy (see pic above/ instagram).

Although we would like to see Approved Food cut down on the cardboard packaging, the items arrived well packed and in excellent condition.

So, if you’re looking to save a few more pounds on your groceries, take a look at Approved food – you’ll be surprised at just how good the bargains are.


Keep up with MMM on Twitter @MumMoneyMatters and Facebook !


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