
OTP Failure Case Scenarios: The 2026 Enterprise Reference
One-time passwords fail in specific, patterned ways at enterprise scale — SMS interception through SS7 and SIM-swap, TOTP time drift and device loss, push-notification MFA fatigue, hardware token failures, and the recovery-channel gap that determines whether the failure produces a help desk ticket or a security incident. The 2026 enterprise reference on how OTP actually fails in production and what to deploy instead.





