Al-Omari, A. H. ., Alshanty, A. G. ., Alsarhan, A. ., & Omari, S. A. . (2025). OTP security in wallet systems: A vulnerability assessment. International Journal of Innovative Research and Scientific Studies, 8(2), 2356–2371. https://doi.org/10.53894/ijirss.v8i2.5691