Comment by jdee

I've done a lot of work fixing up holes in bank telephone services over the years. I've got evidence of telephone banking customer service reps recording customer's voices and manually piecing together fragments in order to defeat biometric id systems and the like. I've also seen "what is the 3rd letter of your secret word" type voice challenges being pieced together over time to reveal the full secret word. It's inevitable that all these vectors will be automated at some point.