OTP and Security

SMS remains the most reliable channel for sending one-time passcodes (OTP), despite the growth of other alternatives. It’s simple, doesn’t require the user to have an app installed, and works even with limited data connectivity. But not all SMS providers offer the same level of control or service. Here are the points worth reviewing before

Banks and fintechs have dozens of channels available to communicate with their users, but when it comes to authentication, security alerts, or transaction confirmations, SMS remains the only one that gets through without depending on the user having the app installed, open, or a data connection. These are the use cases where SMS is still

There is no perfect second factor. SMS reaches everyone, an authenticator app is more resistant and push is more convenient. We compare the three and suggest how to combine them by risk level.

Text message fraud grew in 2026 and your legitimate SMS now competes with it. Condusef figures, the anatomy of a fraudulent message and ten practices so your brand is never mistaken for fraud.

Since September 2, SMS can be used to deliver the category 3 authentication factor in operations with technology-based agents. Scope, limits and an implementation checklist.

The SMS OTP is the most widely used second authentication factor in the world. Here is how it works, which design decisions matter and how to implement it with an SMS API.