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De financiële sector is stevig aan het innoveren. Vooral sinds de opkomst van smartphones, wearables en analytics.

According to reports HSBC is launching voice and touch recognition security services in the UK. This will be available for up to 15 million HSBC banking customers.

There has been a wave of innovation in the financial sector in recent years as banks realise to the possibilities of digital technologies such as mobile, wearables, analytics and telepresence. And with lenders under pressure to meet fast-changing demands from customers, it is likely to pace of change will continue.

Here are some of the technologies being trialled that could soon be found at a bank near you...

Biometrics

Biometrics systems could spell the end for the password, and, for payments, the end of the PIN code. Mastercard, for example, is prepping the launch of a new contactless card with an embedded fingerprint sensor, creating a more secure transaction method.

After recent cyber attacks, HSBC is stepping up its security procedures with voice and touch recognition security services in the UK. According to reports, this will alleviate the need for passwords and memorable questions for up to 15 million banking customers.

In-car apps

Spain's innovative CaixaBank has created the first mobile banking app that can be accessed while driving, using voice control functionality. Using Ford's SYNC with AppLink system, drivers can check their account balance and transfer funds, as well as locating nearby branches and ATMs.

Smartwatches

Interest in wearable devices is growing in all sectors, and banking is no different. Although many are awaiting the launch of the Apple Watch to see how demand picks up, some have already developed apps to let customers manage accounts with a tap of their wrist.

Facial recognition

There are many types of authentication for banks and payment firms to consider though, and Chinese e-commerce firm Alibaba believes that payments could be made with a smile.

Its facial recognition system - dubbed 'Smile to Pay' - was unveiled by founder Jack Ma at German tech conference CeBit earlier this year, and may be available as part of its Alipay platform in future.

Google Glass

Should Google ever succeed in convincing the masses to adorn their faces with its smart glasses, banks are ready to jump on the trend. In fact, Spain's Caixa Bank has already developed a Google Glass app.

It works by superimposing directions to the nearest branch onto the Glass screen, providing information such distance and phone number of the nearest branch, all of which is accessed through the voice recognition system.

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