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Email and SMS are legacy. Some banks do use TOTP the same way. The issue with TOTP is that it’s a shared secret, not a second factor. TOTP auth is two step.
by Spooky23 3y ago
Email and SMS are legacy. Some banks do use TOTP the same way.
The issue with TOTP is that it’s a shared secret, not a second factor. TOTP auth is two step.