wrong question imho. TOTP is current MFA industry-standard (again imo)—and their creation, storage, and management is trivial. pick your reputable tool. the re

wrong question imho. TOTP is current MFA industry-standard (again imo)—and their creation, storage, and management is trivial. pick your reputable tool. the receipt of TOTP via SMS, regardless of telephony platform, however, is generally frowned upon by security heads.