Tamilnad Mercantile Bank (TMB) – Voice + Voice CAPTCHA
Organization
Tamilnad Mercantile Bank – Mobile Banking
Objective
Counter evolving fraud (deepfakes, replay, bots) while ensuring seamless, password-free UX.
Solution
Dual-layer voice authentication: biometric + AI-driven Voice CAPTCHA; SDK-based onboarding; multilingual support.
How It Works
Enroll: Speak ~10s; encrypted voiceprint. Authenticate: respond to dynamic spoken challenge; verify match + correct response + liveness + anti-spoofing.
Technical Summary
Mobile SDK (iOS/Android); secure repository; real-time engine; CAPTCHA generator; admin console; API integration with digital banking systems.
Benefits
Enhanced security; strong protection vs synthetic voices; reduced OTP costs; improved CX; fewer helpdesk calls; scalable.
Conclusion
Strengthens trust with modern, user-friendly mobile security; future: dynamic fraud scoring and expanded use cases.