Virginia Credit Union delights members with secure account access

Voice biometrics pave the way for a successful call center member authentication implementation.

As a credit union, the member experience drives everything Virginia Credit Union does, and new ideas about how to better serve members and make the banking experience even more frictionless are always considered—with a careful eye on using credit union resources wisely on behalf of the membership.

$4.2 billion VACU cares deeply about the safety and security of its members. Ensuring secure access to accounts is critical, and VACU determined that its agent-driven authentication processes required too much time and relied on easily found information. At the same time, members said it was difficult to remember answers to complex, knowledge-based security questions. VACU wanted to improve this process, going beyond traditional methods like passwords, PINs, and other knowledge-based factors to offer an easier, faster, yet still highly secure authentication.

The credit union receives approximately 3,000 inbound member calls per day and each caller must be authenticated before accessing any account data. Any simplification of the authentication process needed to reduce the amount of time agents spent on each call and needed to be easy for the member without requiring them to learn complex new methods.

VACU also wanted to demonstrate its technology leadership in member-facing systems. As a pioneering member of the credit union technology standards body, CUFX, VACU is a leader in using advanced technology to improve the member experience.


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