Why is the OTP provided by QuardlockTM Solution more secure than an OTP that I receive on my mobile phone?

A mobile phone is typically connected to the internet. Therefore, any transaction on the mobile phone is at risk of being attacked or manipulated. It is well known that OTPs being send to a mobile phone via SMS or push notification can easily be intercepted and abused. Even native mobile authenticators providing a time-based OTP have been cracked by hackers that have gained access to the mobile phone. QuardlockTM Card is always offline and therefore protected against such hacker attacks.

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