One-time password

A One-Time Password (OTP) is a secure, temporary code that is valid for only one login session or transaction. OTPs are widely used in various sectors, including banking, e-commerce, and online services, as an added layer of security. Unlike traditional passwords, which remain the same until changed by the user, OTPs are generated dynamically and expire after a short period, making them much harder for hackers to intercept and use maliciously.

How OTP works

OTPs can be delivered through several channels:

SMS: The most common method, where the OTP is sent to the user’s registered mobile number.
Email: The OTP is sent to the user’s registered email address.
Authenticator apps: These apps generate OTPs on the user’s device without needing a network connection.
Hardware tokens: A physical device generates the OTP.

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