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Five OTPs Before Breakfast — And Why That’s a Problem
If you’re getting multiple OTPs before finishing your morning coffee, something is definitely wrong. In today’s digital-first world, OTPs (One-Time Passwords) are the backbone of secure transactions and logins. But when you receive OTPs without requesting them, it becomes a serious red flag.
This rising issue is affecting thousands of users across India — especially in fintech and online banking platforms. At Vizzve Finance, we monitor digital behaviour patterns and identify growing threats that impact consumers. And one major trend we’ve noticed is the surge in unsolicited OTPs, often linked to fraud attempts, data leaks, or automated hacking tools.
Why Are You Getting Multiple OTPs?
1. Bots Testing Your Mobile Number
Fraudsters often use automated systems to test active mobile numbers on banking and UPI applications.
Repeated OTPs can indicate that hackers are attempting account access.
2. Credential Stuffing Attacks
If your number or email ID appeared in a past data leak, attackers may try logging into platforms using old passwords.
The moment the system asks for OTP verification — you get a message you never requested.
3. Someone Using Your Number by Mistake
A less harmful but common reason: someone entered your number for an app signup or forgot their login details.
4. Phishing Attempts
If you received OTPs followed by suspicious calls claiming to be from “bank support”, it could be a phishing trap to manipulate you into sharing your OTP.
5. Weak Digital Financial Hygiene
Reusing passwords, not enabling app locks, and giving access to untrusted apps can also lead to unauthorized OTP triggers.
Why This Is Dangerous
Even if the OTPs are not shared, their frequency indicates attempted breaches.
Here’s why this is a problem:
Your number may be circulating on fraud networks
Hackers may be trying to reset your passwords
Your financial accounts could be the next target
It signals vulnerability in your digital habits
Vizzve Finance strongly recommends checking your account activity across banking apps, UPI platforms, and email IDs when unsolicited OTPs appear.
How to Protect Yourself Immediately
1. Change All Passwords
Always use a mix of special characters, numbers, and uppercase letters.
2. Enable App Lock & Device Lock
Your phone is the gateway to your financial identity.
3. Avoid Sharing OTPs — Ever
No bank or fintech will ask for OTP.
Not even Vizzve Finance.
4. Check Linked Apps
Remove suspicious apps that request contact, SMS, or overlay permissions.
5. Activate Multi-Factor Authentication (MFA)
A secondary verification layer protects your fintech accounts.
6. Call Your Bank Only Through Official Customer Support Numbers
Never trust unsolicited calls.
FAQs
1. Why do I receive OTPs without doing anything?
Because someone or some system is attempting to log in or verify your number on a platform.
2. Can multiple OTPs indicate hacking attempts?
Yes. Repeated unsolicited OTPs often signal digital intrusion attempts.
3. Should I ignore the OTP messages?
No. You must review your financial account activity and update your digital security settings.
4. Can scammers hack my account without the OTP?
Usually no — but repeated attempts mean your credentials might already be compromised. Take action immediately.
5. Does Finance ask for OTP at any time?
Never. No legitimate financial institution will request your OTP verbally.
Source credit : Kumar Ashutosh
Published on : 15th November
Published by : RAHAMATH
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