RESOURCES · COMPARISON GUIDE
FIDO2 vs SMS OTP: the case for phishing-resistant MFA in banking.
A concise comparison guide: why SMS OTP is now a weak point (real-time phishing, SIM-swap, interception) and how FIDO2 (YubiKey) closes it — with the POJK 11/2022, FIPS 140-3, and AAL3 compliance angle.
Built forBanking & FSI IT security, risk, and compliance teams
FormatPDF · 5 pages · Bahasa Indonesia
PublishedJune 2026
What's inside
- SMS OTP vs FIDO2 comparison table: phishing, SIM-swap, cost, network, UX, assurance
- Why SMS OTP is exposed: real-time phishing, SIM-swap, OTP interception
- Compliance angle: risk-based authentication under POJK 11/2022 & PADK 1/2026, FIPS 140-3 (NIST #5291), NIST AAL3
- Cost impact estimate: recurring SMS vs buy-once keys
- Safe first steps to migrate
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