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I think many of the banks have their heads in the sand. Barcleys for example "If you find it difficult to remember password information, we can confirm your identity using voice recognition technology when you call us, so you don’t have to go through security questions". It's pretty easy to get past this step backward in security with today's voice-cloning technology. The voice can be cloned from a short recording, a family video for exmaple and voila, you know the family security questions, you have the voice and you're in.
Frankly the only way we're really going to protect from most of this is multi-factor and digital signing, things we've already used and now trying to replace with easier options. Easier means less secure and more vulnerable, security is NOT easy.

This could well be a game-changer in the payments world, very exciting.

The perfect storm, Anne Boden, AI and FinTech.