Two-factor authentication for voice assistance in digital banking using public cloud services

This paper presents the results of a research on using voice assistants to enable financial and commercial operations which require authentication with increased level of security. Several prototypes of authentication service with two-factor authentication for the purpose of voice-controlled digital banking and online payments have been developed at the Cyber Security Research Centre of London Metropolitan University. They utilize the power of the cloud technology and the attractiveness of the devices equipped with voice assistant software to provide secure method for two-factor authentication, which meets the recent standards for security of the operations in digital banking.