Nicolas Desnos

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SMS OTP Authentication: Not As Safe As You May Think

Posted by Nicolas Desnos on October 05, 2017

Most online transactions require a two-step authentication, and the One-Time-Password (OTP) sent by SMS is often one of those two steps. The purpose of an OTP is to prevent fraud by confirming that the person making the transaction and the credit card owner are one and the same. To do so, a temporary code is automatically sent by SMS to the phone number associated with the bank account used.

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