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> We don't really, here in Europe.

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...



Yes like I said for such services, yes. Here in Spain it's used sometimes too. Though once a month would be the maximum I'd receive one.




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