JAKARTA – One-Time Password or OTP is a random password that is usually sent by e-commerce or banking shops as an authentication code for the account owner. Sometimes the OTP will be sent via SMS or instant messaging apps like WhatsApp. The reason is that recently, several e-commerce and banks have started diverting the sending of OTP codes from SMS to over the top (OTT) services such as WhatsApp, Line, and Telegram. This is considered to be more efficient and makes it easier for OTP code recipients to protect the account from problems, such as theft and abuse of the account. So, will you be sending OTP codes from SMS to OTT platforms like WhatsApp be safer? According to cyber security expert Ruby Alamsyah, sending messages through OTT services is vulnerable to being hijacked and taken over by irresponsible people. “If the reason is that the bank does not trust a third party because of the SIM swap issue yesterday, then security reasons are not necessarily appropria...