It’s not necessarily an OTP, it’s any form of additional verification that the bank decides to implement. My bank allows me to switch between SMS or USSD. Whe

It’s not necessarily an OTP, it’s any form of additional verification that the bank decides to implement. My bank allows me to switch between SMS or USSD. When in France in late 2000s the bank did a stupid “virtual PIN pad”, which I suppose was better than nothing, but only barely. But the point is that the system could allow any kind of verification including new and modern Passkeys.