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Vikash Sharma

Bhubaneswar: Citizens across the country had a harrowing experience after they failed to get one-time passwords (OTP) to complete several digital payments on Monday.

Sources said that the hiccups in getting OTP and SMSes were due to the implementation of the second phase of the new SMS regulations by telecom companies.


The implementations saw massive disruptions right from several key banking transactions including bank OTPs for debit card transactions,  registration for Covid-19 vaccine on the CoWIN portal, and other systems like two-factor authentication OTPs to log into accounts online.

Damodar Nanda, president All India Banks Confederation said, “We have got reports of disruptions in several services in several other States. No such impact was felt in Odisha.”

Nanda further said that if bank accounts of customers are linked with Aadhaar, they will not face much problems. However, non-receipt of OTP also could be due to link failures.

“I will urge bank customers to maintain a minimum balance and link Aadhaar for KYC compliance. We hope that such problem could be a temporary one,” Nanda added.

Telecom operators, on the other hand, blamed Distributed Ledger Technology (DLT) companies as the reason for OTP disruption in the country.

Cyber Expert Debasish Das said, “Due to new SMS regulation, the consumers faced problems across the country. The move is to ensure that use of fake SMS headers by scammers to dupe customers is checked.”

Das said that even though it is a temporary glitch, the new SMS guidelines will play a crucial role in checking incidents of cybercrime.

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