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It had completely depended on the bank. In the Netherlands, 20 years ago it was a hardware OTP device. Same with a big Swiss bank ten years ago. Up until a few
by jounker 5y ago
It had completely depended on the bank. In the Netherlands, 20 years ago it was a hardware OTP device. Same with a big Swiss bank ten years ago. Up until a few years ago with a big german bank it was a physical sheet of OTPs. Now it’s a mobile app that either recognizes a challenge image, or receives a challenge by network.