One-time passwords (OTP) may offer tremendous security benefits, but their use and formulation can be difficult to understand and implement properly. Additionally, OTPs are becoming increasingly vulnerable to evolving cyber-security threats.

When choosing a replacement method of user authentication, you should consider the level of assurance and cost-effectiveness your new process provides. One of the most up-to-date replacements for OTPs is out-of-band (OOB) authentication. This system uses two separate networks to simultaneously authenticate users. OOB offers high levels of security assurance because even if one set of credentials is compromised, unauthorized access cannot be gained to the secondary verification system.