TOTP, HOTP.
SMS needs your number, your data is more valuable if marketers can assign your real name to your data. or aggregating all data about you, phone number helps with that.
SMS needs your number, your data is more valuable if marketers can assign your real name to your data. or aggregating all data about you, phone number helps with that.
This is mostly a red herring because most of the places that require SMS TOP already have your full name/address (eg. financial institutions, healthcare providers) or are in a position to intercept communications that they can infer that information (eg. google). If apps/sites like tiktok wants my phone number for 2fa, they can fuck off, or get a burner number.
"Most"? maybe "a troubling few"?
Phone verification is absolutely a widely exploited data mining opportunity, I don't see how it's a red herring at all. It's one of the worst surveillance mechanisms we live with today, only partially waved away with the 2000's concept of burner numbers.
same problem with signal messenger or facebook messenger building databases of numbers and contacts. neo4j clone from palantir.
"Enter this code only if you want to pay <amount> to <merchant>" is much more secure than "enter your TOTP here", which is a lot like issuing a blank check in comparison (and in fact required by regulation in the EU, for example).
Not even WebAuthN provides that property on a compromised computer; for that, you'd need something like the SPC extension [1] and a hardware authenticator with a small display.
That's unfortunately why we're currently stuck with proprietary bank confirmation apps that can provide it. I really wish there was a vendor-neutral standard for it, but given how push notifications work (or rather don't work) for federated client apps, I'm not holding my breath.
This isn't great, but better then SMS and having to have a separate app for each authenticating service though.
A vendor neutral service would be a lot nicer.
or as you pointed out, signing it on smartcard with keypad reader.
but for login TOTP is better then anything else. i can put it on arduino with small oled board and have it in safe/vault offline.
and there is no way for attacker to MITM, and here lies the problem. companies can not blame you as easily as with currently deployed technologies... they hide breaches all the time, f... PCI
There totally is! How do you know you're entering the TOTP on a legitimate website?
WebAuthN prevents that, both by not letting you use a given key on the wrong website, and by including the origin in the signature generated using the key which the relying party can then check for plausibility.