RBI wants to end the need for OTP for authentication, but how can work be done without a mobile phone?
Bankers claim that OTP is necessary for SIM swaps and social engineering scams. The customer can easily fall victim to cybercriminals in this kind of scam. In this case, the second OTP option may be better served by the Authenticator app. The user must input the password from another phone app to use this kind of authenticator app.
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