technology medium true/false

Multi-factor authentication (MFA) using SMS-based OTP is considered the most secure MFA method.

  1. True
  2. False

Answer: False

SMS-based OTP is vulnerable to SIM swapping, SS7 attacks, and phishing. More secure MFA methods include: authenticator apps (TOTP), hardware tokens (YubiKey), biometrics, and FIDO2/WebAuthn. NIST guidelines recommend moving away from SMS OTP for high-security applications. Layered security approach is essential.

Topic Cybersecurity
Exam Relevance Banking, SSC, UPSC

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