AI EDUCATION: What is Voice Cloning?


Each week we find a new topic for our readers to learn about in our AI Education column. 

This week, we are looking into voice cloning, and is THAT topic ever a can of worms.  Furthermore, as we tapped into our various AI sources to help construct the main research and text for this article, we ran into outages from Open AI and CoPilot (which uses an OpenAI model for its free tier). Eventually, Meta’s AI got it done for the content and Adobe Firefly was used to generate the image.  

That aside, this is nevertheless quite an interesting topic.  We recently reported in our THE DAILY AI Substack on three interesting stories around voice cloning:

  • “The Center for Countering Digital Hate (CCDH)
    Alarmingly, across the pond in the United Kingdom, the Center for Countering Digital Hate (CCDH) unearthed results from an experiment involving safeguards using AI voice cloning tools. In the experiment, the CCDH tested six voice cloning tools to create false content of several leaders, including Prime Minister Rishi Sunak and Labor Party chief Sir Keir Starmer. Additionally, (eighty percent) of the content (reportedly) looked convincing. Only one of the tool’s safeguards remained impenetrable, and the team circumvented others.
  • Fable Studio
    Interestingly, South African-based Fable Studio demonstrated its ability to create content with two series produced by its (new) Showrunner app that allows users to (automatically) create content. Last year, the firm showed its abilities by revealing an AI-generated episode of the (famous) South Park series.
  • Sony Pictures
    Similarly, on May 30, at an investor conference in Japan, Sony Pictures Chief Tony Vinciquerra revealed the Hollywood giant’s shift to AI-generated content to cut costs. The move follows back-and-forth industry conversations on the use of AI in the movie industry.”

Additionally, there was a quite high profile story recently involving Scarlett Johansson, who claimed OpenAI cloned her voice after she declined to allow it to be used for its new Sky chatbot product.  Quite the kerfuffle ensued and with good reason, though OpenAI claims it used the voice of another actress ultimately (who sounded VERY much like the actress).

So, as you can see. voice cloning is INDEED moving forward, and its imperative that our readers understand WHAT it is and HOW it can be used (or misused).  READ UP!!

The financial technology (fintech) industry has witnessed significant advancements in recent years, with Artificial Intelligence (AI) playing a pivotal role in driving innovation. One such development is AI voice cloning, which has the potential to revolutionize various aspects of the financial sector. In this article, we will delve into the concept of AI voice cloning, its benefits and detriments, top companies offering this service, recent legislation, and other crucial aspects to consider.

What is AI Voice Cloning?

AI voice cloning is a technology that enables the creation of synthetic voice replicas, mimicking the tone, pitch, and cadence of a real person’s voice. This innovation utilizes machine learning algorithms and deep learning techniques to analyze and replicate the unique characteristics of a human voice. The resulting synthetic voice can be used in various applications, including customer service, voice assistants, and marketing campaigns.

Benefits of AI Voice Cloning in Financial Technology

The adoption of AI voice cloning in fintech can bring about several benefits, including:

  • Enhanced customer experience: AI voice cloning can be used to create personalized voice assistants, providing a more human-like interaction for customers.

  • Increased accessibility: Voice cloning can help individuals with speech or language disorders, enabling them to communicate more effectively.

  • Cost savings: Synthetic voices can reduce the need for human voice actors, saving time and resources.

  • Improved security: AI voice cloning can be used to create secure voice biometrics for authentication and verification.

Detriments of AI Voice Cloning

While AI voice cloning offers several advantages, it also raises some concerns:

  • Ethical concerns: Voice cloning raises questions about identity, privacy, and consent.

  • Deepfake risks: AI-generated voices can be used to create convincing deepfakes, potentially leading to fraud and disinformation.

  • Job displacement: Synthetic voices may replace human voice actors and other professionals.

Top 5 Companies Providing AI Voice Cloning Services

Several companies are offering AI voice cloning services, including:

  • Amazon Web Services (AWS) – Offers Amazon Polly, a text-to-speech service with voice cloning capabilities.

  • Google Cloud – Provides Cloud Text-to-Speech, featuring voice cloning and customization options.

  • Microsoft Azure – Offers Azure Cognitive Services Speech, including voice cloning and synthesis.

  • Descript – Specializes in AI voice cloning for media, marketing, and customer experience applications.

  • Respeecher – Focuses on voice cloning for film, video games, and audiobooks.

Recent Legislation and Regulations

Governments and regulatory bodies are taking steps to address the implications of AI voice cloning:

  • California’s AB 602 – Requires voice cloning service providers to disclose when a voice is artificially generated.

  • European Union’s General Data Protection Regulation (GDPR) – Imposes strict regulations on data privacy, including voice data.

Important Considerations

When exploring AI voice cloning in fintech, it is crucial to consider the following:

  • Consent and transparency – Ensure that voice cloning is done with the original speaker’s consent and clear disclosure.

  • Data security – Implement robust security measures to protect voice data and prevent unauthorized use.

  • Quality control – Regularly monitor and evaluate the quality and accuracy of AI-generated voices.

In conclusion, AI voice cloning has the potential to transform various aspects of the financial technology industry. However, it is essential to address the ethical and regulatory implications surrounding this technology. By understanding the benefits and detriments of AI voice cloning and staying informed about recent legislation and regulations, fintech professionals can harness the power of this innovation while minimizing its risks.


[1] Amazon Web Services. (n.d.). Amazon Polly. Retrieved from

[2] Google Cloud. (n.d.). Cloud Text-to-Speech. Retrieved from

[3] Microsoft Azure. (n.d.). Azure Cognitive Services Speech. Retrieved from

[4] Descript. (n.d.). AI Voice Cloning. Retrieved from

[5] Respeecher. (n.d.). Voice Cloning. Retrieved from

[6] California State Legislature. (2022). AB-602 Voice cloning. Retrieved from

[7] European Union. (2018). General Data Protection Regulation (GDPR). Retrieved from

DWN & Meta AI