Developer Guides
SMS OTP vs authenticator app vs email OTP — a balanced comparison plus a decision matrix to pick the right OTP channel for African product teams.
OTP for fintech banking is the layered authentication rail that ties every transaction to a verified user, a verified device, and a verified amount — not a single SMS code in isolation. African fraud teams
Your OTP provider shapes every verification your users experience. The wrong choice means failed deliveries in African markets, inflated costs from SMS pumping fraud, and authentication flows that frustrate customers instead of protecting them. The
Your OTP expires before the user finishes typing. Or worse, it never expires at all, and an attacker walks right through your verification flow. OTP best practices — expiration windows, rate limits, input UX —
