It is dangerous to use a OTP send by SMS as a second level authentication (2FA) for a bank transfer. The SMS can be intercepted by a sophisticated hacker.
It is safe to use a mobile app as a 2FA device. The app generates a 6 digit PIn which can be used for entry into the banking platform. As a further safeguard, the app requires user to provide his fingerprint.
A mobile app with fingerprint access is safer than a physical token.
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