One-Time-Passwords in the Digital Era

For the past 25 years, one-time-passwords (OTPs) have been relied upon by the financial services industry as an authentication tool for online banking. When consumers access their online banking platform on their browser and attempt to make a transaction, the OTP is usually sent to their mobile phone by an SMS. The user will then enter the OTP into their bank’s online banking platform to authenticate the transaction.

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