Question 551 · 856 in bank
Which of the following authentication methods is considered to be the LEAST secure?
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Answer: B
Explanation
SMS (Short Message Service) authentication involves sending a one-time passcode (OTP) to the user's mobile phone via text message, which the user then enters to complete the authentication process. While it is more convenient than some other methods, it is also less secure compared to the other options listed. SMS authentication has several security weaknesses: Phishing: Attackers can use social engineering to trick users into revealing their SMS OTP, compromising the authentication. SIM swapping: Attackers can contact the user's mobile service provider and convince them to transfer the phone number to a new SIM card, gaining access to the SMS OTP. Intercepting SMS: In some cases, attackers with advanced capabilities can intercept SMS messages, allowing them to capture the OTP. Due to these vulnerabilities, SMS authentication is considered less secure compared to other authentication methods like TOTP (Time-based One-Time Password) and HOTP (HMAC-based One-Time Password), which rely on algorithms and do not involve transmitting the OTP via SMS.
Source: Adapted from community discussion — ApplebeesWaiter1122