Russia’s biggest retail bank is testing a machine that the old K.G.B. might have loved, an A.T.M. with a built-in lie detector intended to prevent consumer credit fraud. Consumers with no previous relationship with the bank could talk to the machine to apply for a credit card, with no human intervention required on the bank’s end. The machine scans a passport, records fingerprints and takes a three-dimensional scan for facial recognition. And it uses voice-analysis software to help assess whether the person is truthfully answering questions that include “Are you employed?” and “At this moment, do you have any other outstanding loans?” The voice-analysis system was developed by the Speech Technology Center, a company whose other big clients include the Federal Security Service — the Russian domestic intelligence agency descended from the Soviet K.G.B. Dmitri V. Dyrmovsky, director of the center’s Moscow offices, said the new system was designed in part by sampling Russian law enforcement databases of recorded voices of people found to be lying during police interrogations.