Why are SMS codes still the global ID solution?

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 pho...

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Detalles Bibliográficos
Autor principal: Stephens, Chris
Formato: Online Artículo Texto
Lenguaje:English
Publicado: Elsevier Ltd. 2020
Materias:
Feature
Acceso en línea:https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7494328/
http://dx.doi.org/10.1016/S0969-4765(20)30110-7
Descripción
Sumario: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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