TOTP is phishable. The push to get away from TOTP is driven by phishing.
I've done authentication projects for financial institutions that were actively targeted by phishing attacks, and it is difficult to mitigate TOTP phishing. Defeating TOTP is very much in the standard playbook for high-dollar scam operations.
I've done authentication projects for financial institutions that were actively targeted by phishing attacks, and it is difficult to mitigate TOTP phishing. Defeating TOTP is very much in the standard playbook for high-dollar scam operations.