At least Germany and Austria heavily rely on SMS-OTP for all kinds of services, banking and otherwise. I've never received an OTP via WhatsApp.
Austria even has an eIDAS-compatible e-signature scheme based on SMS-OTP that allows people to create a legally binding PDF signature using SMS-OTP and a static password...
At least Germany and Austria heavily rely on SMS-OTP for all kinds of services, banking and otherwise. I've never received an OTP via WhatsApp.
Austria even has an eIDAS-compatible e-signature scheme based on SMS-OTP that allows people to create a legally binding PDF signature using SMS-OTP and a static password...