AI voice cloning just broke your phone banking. Not theoretically — in documented fraud cases from the last 18 months, attackers with three seconds of someone's voice from a public YouTube video have passed voice biometric authentication systems at real financial institutions. Automatic approval. No human review. Full account access. Here's what nobody tells you about this: the attack doesn't need a sophisticated lab. ElevenLabs costs $5 a month. The voice sample is on LinkedIn's conference recordings. The bank's IVR…
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