Joseph Cox, reporter for Motherboard (Vice), used a free voice creation service from Elevenlabs.io to generate a synthetic voice to impersonate himself.

It took some time to get the voice just right to follow my cadences, but it worked eventually. Multiple banks use similar voice ID systems. Some say the voice print is “unique,” “no one has a voice just like you.” TD, Chase, Wells Fargo

Lloyds Bank said in a statement that:

Voice ID is an optional security measure, however we are confident that it provides higher levels of security than traditional knowledge-based authentication methods, and that our layered approach to security and fraud prevention continues to provide the right level of protection for customers' accounts, while still making them easy to access when needed.

Expect to see a lot more in-the-wild testing in the coming days/weeks…