alternative to sms based otp: OTP will not come through SMS, what RBI told banks?

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alternative to sms based otp: OTP will not come through SMS, what RBI told banks?  Online transaction system will change

Although 'OTP' systems are in place to secure online financial transactions, they often do not work. Fraudsters call people who are elderly or not fully aware of online banking and steal the OTP and empty their accounts. In this

 situation, the hands of those common people fell on their heads. In many cases the bank has nothing to do. The police are also often unable to catch the criminals. And among all, the victim of cyber crime has to suffer mental pain