SMS OTP is not banned. Three things that are changing
No regulator in DeepID’s markets has banned the SMS one-time password. What is changing is where it is enough: at login, for high-risk transactions, and as the floor under every payment.
Rules and regulation
What the rules ask of a bank app, market by market, dated and sourced.
Every article in rules and regulation.
3 articles, newest first.
DoT SIM Binding Mandate Explained: Compliance Guide for Communication Apps (2026)
DoT's SIM Binding Mandate requires SIM-linked accounts and periodic logout for WhatsApp, Telegram & other apps. Get the 2026 compliance timeline.
Mobile App Security Compliance: PCI DSS, RBI, DORA, and MAS Requirements for 2026
How RASP, device fingerprinting, and SIM binding meet PCI DSS 4.0, RBI, DORA, and MAS mobile security requirements. Compliance implementation roadmap for 2026.
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