Last month, while the world was agog with the razzmatazz of the Christmas celebrations, Onu Ugboja, a young University of Abuja graduate who is seeking fortunes in the fashion industry and living at Asokoro extension in Abuja had received a series of One Time Passwords (OTPs) from his bank without requesting it. The OTPs are a one-time password that are automatically generated to authenticate a user for a single transaction or login session in internet banking.