vink
Forerunner
ofc not but its anecdotally proven that scam, frauds are still on the rise..So you have all the data of entire population of India using banking services & you have conducted a deep analysis using past & future prediction models to reach the conclusion that using otp only results in little safety for entire population?
instead multiple steps a cosumer has to follow the more mistakes they make, opening doors for bad actors to benefit from..
otoh did our govt has published results that otp's does helped reduce crimes?