Banker bot recognizes its owner

BI: The bank is introducing biometric tests for its customers, it announced on Friday — letting users access online banking using their fingerprints or their voice.

With the former, the scheme is compatible with Apple's Touch ID fingerprint scanner. Customers will be able to scan their fingerprint to prove who they are to log in, the BBC reports.

Alternatively, customers can use their voice to access their accounts. They record a "voice print" by which the bank learns how they speak, then they read out a phrase to their phones to gain entry. "

The scanner can be part of your smart card, the technology is already available.  Once you fingerprint your card, the bot inside is ready to transact at your command.   In the aggregate, the bot collective is an interconnected set of transaction managers.

The minimum security card knows tap codes and issues the yellow/green risk on/off light.  This is the lowest  cost, lowest functionality, and highest risk card. Some purchases only require the clerk verify a photo, all of this still works.  The maximum  security smart card is kept locked in a vault, and requires two bank offers to type in separate codes.  In physical form, the high security smart card would be a shoe box sized transaction processor.  In the end, they all obey the honest broker rules.  All the transaction protocols are guaranteed to close.