Incident 485: UK Bank's Voice ID Successfully Bypassed Using AI-Produced Audio

Description: A UK journalist was able to successfully bypass Lloyds Bank's "Voice ID" program to access his bank account using an AI-generated audio of his own voice.


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Alleged: ElevenLabs developed an AI system deployed by Joseph Cox, which harmed Lloyds Bank.

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Khoa Lam

Incident Reports

How I Broke Into a Bank Account With an AI-Generated Voice · 2023

The bank thought it was talking to me; the AI-generated voice certainly sounded the same.

On Wednesday, I phoned my bank’s automated service line. To start, the bank asked me to say in my own words why I was calling. Rather than speak out l…


A "variant" is an incident that shares the same causative factors, produces similar harms, and involves the same intelligent systems as a known AI incident. Rather than index variants as entirely separate incidents, we list variations of incidents under the first similar incident submitted to the database. Unlike other submission types to the incident database, variants are not required to have reporting in evidence external to the Incident Database. Learn more from the research paper.