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User Login Experience



                              Yesterday                                                                                                                                                                      Today & Future








































                                           [Password]                                                      [SMS OTP]                            [OTP]                          [TOTP]                       [HOTP]                          [SOTP]                         [PKI]                [MFA]               [Biometric]                   [BSA MFA]






















                                                               1GEN                                                                                   2GEN                                                                                   3GEN                                                                                   4GEN



                                         Password Based Authentication                                                        One-Time Password/Token-Based                                                                  Biometric Authentication                                                       Blockchain Secure Authentication


                                        – 1FA (Username ID & Password)                                                                         Authentication                                                                 – 2FA (Face, Fingerprint)                                                           – BSA MFA (OTP, Biometric)

                                                                                                                             – 2FA (SMS OTP, TOTP, HOTP, SOTP)








                                                                                                                                                      2GEN                                                                                   3GEN



                                                                                                                               Certificate Based Authentication                                                            Multi Factor Authentication



                                                                                                                                                   – 2FA (PKI)                                                           – MFA (PKI, Biometric, Token)








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