Anyone with Gartner Research account, must read research paper titled "Implementing Strong Authentication Using OTP Tokens and OOB Methods".
Free Summary if you don't have an access i.e.
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IMO we should not still be sitting at this level even if we are waiting on a buyout or legal decision. $SFOR should have everyone one of us doing back flips and cartwheels of joy. Lets go $SFOR charge that imaginary hill