Hauv cov khoom siv nyiaj txiag hauv UK, qhia feem ntau txhim kho kev ruaj ntseg kev lag luam thiab cov neeg siv kev paub los ntawm kev ua kom OTP tiam, kev txheeb xyuas kev lag luam (xws li, tus nqi / cov ntsiab lus them nyiaj), thiab kev tswj hwm daim ntawv pov thawj digital los tiv thaiv MITM tawm tsam thiab cuam tshuam. Lawv muab kev qhia ua haujlwm (piv txwv li, PIN prompts) thiab txhawb MFA (xws li, ntiv tes + OTP). Cov kev xav yav tom ntej muaj xws li kev sib cuam tshuam ntse (kov screens, biometrics, QR code banking) thaum ntsuas kev ruaj ntseg thiab tus nqi.