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3 innovations that make financial services more accessible

December 16, 2022

Not too long ago, you wouldn't have been able to pay a bill on a statutory holiday. You would've also had to leave your house to deposit a cheque at the caisse or at an ATM. It's no surprise that 90% of Canadians believe that banking has become a lot more convenient because of new technologies.1 Here are some Desjardins innovations that let you easily do your banking remotely and at any time.

AccèsD: Your accounts at your fingertips

Instead of going to a branch, Canadians would much prefer to conduct their banking transactions online and at a time that's best for them. Nearly 8 out of 10 (78%) Canadians are using digital channels to conduct most of their banking transactions.1 And in 2021, nearly two-thirds (65%) of Canadians used a mobile app to do their banking.1 Desjardins's digital solutions are constantly evolving to better serve members.

Members and clients can carry out many transactions on their own using the AccèsD mobile app and the web version of AccèsD. In addition to paying your bills, getting a void cheque and managing your loans, you can now log in to lock, replace or unlock your card online. You can also manage certain card features, like changing your credit card limit or your debit card (Access card) withdrawal limit.  You can also use these online services to get a new password and configure your security settings. You can also keep an eye on your credit report on the platform and take immediate action if there's suspicious activity.

Voice authentication: Making secure transactions by phone

Ill-intentioned people may find enough information to try and steal your identity. But they won't be able to impersonate your voice perfectly because it's as unique as your digital fingerprint.

You can protect your accounts by signing up for the voice authentication service. To create your voiceprint, we'll first record a short sample of your voice. Then, a mathematical formula is created with the unique characteristics in the way you speak, like your pitch, language and speech patterns. When you call Desjardins, instead of having to confirm your identity with traditional methods before you conduct your transactions, the phone systems will quickly compare your voice to this voiceprint.

Signing up for this service is voluntary, and you may revoke your consent at any time.

What if I have a cough or lost my voice?

Thanks to its proven technology, the authentication system is able to identify you—even if you have a cold or a cough. However, if the service is unable to confirm your identity (for example, a health problem prevents you from expressing yourself naturally), an advisor can authenticate you using a method that's just as secure.

The virtual assistant who speaks your language

Desjardins advisors are knowledgeable and can really help you with your life goals, like retirement or buying your first home. But other requests—like replacing a damaged, lost or stolen debit card (Access card), or resetting a password—can be done on your own. How do you quickly determine what you can do on your own to avoid waiting at the caisse or on the phone?

Instead of listing all the options available to you, the Desjardins phone service can now connect you to its new virtual assistant in just seconds. Say what you need in your own words, and the assistant will guide you step-by-step through simple self-service transactions. If you have more complex needs, you'll be transferred to the next available advisor.

Artificial intelligence to improve services

All the transactions that can be completed by the Desjardins virtual assistant can also be done in AccèsD. But if you prefer to say your needs instead of typing them out, the virtual assistant is another tool to quickly resolve some simple requests.