​OTP: Security past its expiration date

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The decline of one-time passwords

One-time passwords have been used for online banking security for more than 25 years, but technological developments have rendered these one-off strings of digits obsolete, both in terms of security and convenience. This paper tracks the decline of one-time passwords and describes alternative technology for banks serious about fraud and ambitious about market share. 


This white paper outlines:

  • OTPs –​ A decade of failure​
  • Inherent flaws in all OTP systems
  • Why SMS is an extremely vulnerable channel
  • OTP technology doesn't come cheap 
  • Atrocious user experience
  • Who pays the price for outdated technology? 
  • If OTPs are the past, what’s the future?


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