Sms Verification Method 2019.pdf < Pro • PLAYBOOK >

Papers from this era, such as On the Security Verification of a Short Message Service Protocol , highlighted that SMS is not inherently secure because it travels over unencrypted mobile networks [35].

: This directive, which came into full effect in September 2019 , forced banks to implement Strong Customer Authentication (SCA). Many banks chose SMS-OTP as the most accessible second factor for compliance [6]. 3. Security Risks Identified in 2019 Research SMS Verification Method 2019.pdf

: A common social engineering attack where a hacker tricks a mobile carrier into porting the victim's phone number to a new SIM card [8]. Papers from this era, such as On the