It appears now that the criminals have developed malicious software for various mobile smart phones, than can capture these (one-time password)  banking text messages, and forward them to the criminals so that they can  log into the user’s bank account.
In his blog posting, David describes analyzing such a mobile phone malware that was designed for Symbian phones.
He calls this attack, “Man-in-the-mobileâ€.
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ZeuS Can Defeat Mobile Phone 2-factor Authentication
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