In India, most mobile apps have phone number for username and OTP instead of password. Makes perfect sense for mobile apps. Except when OTP doesn't arrive due t

In India, most mobile apps have phone number for username and OTP instead of password. Makes perfect sense for mobile apps. Except when OTP doesn't arrive due to congested sms networks. Or that your account gets hacked with sim takeover or sms MitM (both are currently unheard of in India).