Abstract
SMS one-time passwords (OTPs) have become the default ‘step-up’ authentication option when individuals are performing high-risk actions online. It's because this approach is relatively easy for businesses to implement, and it works for most of their customers who nearly all possess a mobile phone and are familiar with OTPs. As a result, businesses typically use OTPs to authenticate both their customers and employees; and many banks are relying on this method to quickly comply with the upcoming PSD2 Strong Customer Authentication (SCA) regulation.
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