OTP and TOTP vs static passwordĪlthough this authentication method is convenient, it is not secure because online identity theft – using phishing, keyboard logging, man-in-the-middle attacks, and other practices – is increasing worldwide. Today most enterprise networks, e-commerce sites, and online communities require only a username and static password for login and access to personal and sensitive data. One-time passwords (aka One-time passcodes) are a form of strong authentication, providing much better protection to eBanking, corporate networks, and other systems containing sensitive data.Īuthentication answers the question: " Are you indeed Mr or Mrs /en/markets/digital-identity-and-security/banking-payment/digital-banking/passkeys-for-financial-institutions X?" Typically the user's login name stays the same, and the one-time password changes with each login. The OTP feature prevents some forms of identity theft by making sure that a captured username/password pair cannot be used a second time. If "qwerty" is always your password, it's time to change. The static password is the most common authentication method and the least secure. One-time password (OTP) systems provide a mechanism for logging on to a network or service using a unique password that can only be used onc e, as the name suggests.
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