How does the SolidPassâ„¢ Mobile Application compare to typical SMS based solutions?

Typical SMS based solutions involve sending OTPs from the bank to the phone via SMS. The user then enters the transmitted password into the online banking site to authorize a transaction. If the phone were stolen, the SMS messages could be compromised.

SMS also does not provide guaranteed message delivery, so SMS messages can be lost or delayed. This reduces the reliability of SMS based solutions. Latency issues also arise during peak usage periods.

Additionally SMS is insecure, in that messages are not encrypted and ultimately pass through vendor SMS gateways, which, if compromised, would allow an attacker to intercept OTPs sent via SMS. Also, SMS gateways can also be expensive and cumbersome to manage. More.

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