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International Journal of Trend in Scientific Research and Development (IJTSRD) @ www.ijtsrd.com eISSN: 2456-6470
vulnerabilities such as SIM swapping and phishing to bypass https://thesai.org/Publications/ViewPaper?Code=IJA
OTP protection. CSA&Issue=11&SerialNo=46&Volume=11
5.2. Recommendations [3] "An Empirical Study of SMS One-Time Password
Implementing multi-factor authentication (MFA) that Authentication in Android Apps" Yue Zhou and Yajin
combines OTPs with biometric verification. Zhou
https://ink.library.smu.edu.sg/cgi/viewcontent.cgi?ar
Encouraging users to switch to app-based authentication ticle=5631&context=sis_research
instead of SMS OTPs.
[4] "Under The Microscope: The Risks Of One-Time
Enhancing OTP security with encrypted transmission and AI-
Passwords"
based fraud detection.
https://www.forbes.com/councils/forbestechcouncil
6. References /2024/07/12/under-the-microscope-the-risks-of-
[1] "A New One-Time Password Method" by Yong Wang, one-time-passwords-vulnerabilities/
Jianming Fu, and Yuliang Lu [5]
https://www.researchgate.net/publication/2709372 "One-Time Password Security Might Fail 80% of the
Time. IAM is Better."
34_A_new_One-time_Password_Method
https://securityintelligence.com/articles/one-time-
[2] "An Improved Time-Based One-Time Password password-security-fails-80-percent-iam-better/
Authentication Framework for Electronic Payments" [6] "The State of Password Security 2024 Report"
by Mohammad A. Hassan, Zaid Shukur, and Md. https://bitwarden.com/resources/the-state-of-
Khadim Hasan
password-security/

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