C. The SMS OTP is more likely to be intercepted and lead to unauthorized disclosure of the code than the TOTP method.
The main reason why the SMS OTP (One-Time Password) method is considered more risky compared to the TOTP (Time-Based One-Time Password) method is that SMS messages can be intercepted more easily. SMS messages can be vulnerable to interception through various methods, such as SIM swapping, man-in-the-middle attacks, or by exploiting vulnerabilities in the mobile network.
C. The SMS OTP is more likely to be intercepted and lead to unauthorized disclosure of the code than the TOTP method.
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