I’ve been having constant issues with the OTP not coming from SBI when I try to link my account through Finvu. When I contact Finvu support, they give me generic advice like ‘check your network’ or ‘contact your bank’. Why isn’t Finvu offering more proactive support? Shouldn’t they know if SBI’s system is down and alert users?
It can be frustrating when Finvu’s support team can’t give a specific reason for an SBI OTP issue, but this is actually due to the secure design of the Account Aggregator system. Finvu acts as a secure data bridge, but for your privacy and security, it has no visibility into the bank’s internal systems. The responsibility for generating and sending the OTP lies solely with SBI.
Understanding Who Sends the SBI OTP During Finvu Linking
I was talking to a developer who works with the Account Aggregator framework. He explained that when you try to link your SBI account, Finvu’s job is to securely redirect you to SBI’s own login and consent page. That page is 100% controlled by SBI. It’s SBI’s system that generates the OTP and sends it to the mobile number they have on file for you. Finvu is simply waiting for a final “success” or “failure” signal back from the bank.
Why Finvu Has No Visibility into SBI OTP Issues
A friend who works in cybersecurity put it perfectly. He said, “For your own safety, SBI’s customer database is a black box to everyone else, including Finvu.” Finvu cannot see if SBI’s OTP servers are overloaded, nor can they check if the mobile number you have registered with SBI is correct or outdated. They only send a request to SBI and wait for a response. They have no way of knowing what’s happening inside the bank’s system.
Finvu Support vs. SBI Customer Care for OTP Issues
My cousin was getting really annoyed with Finvu’s generic support replies about his SBI OTP problem. I explained that he was essentially knocking on the wrong door. Finvu’s support is for issues with the Finvu service itself or for managing your consent after it’s been successfully given. For an OTP not arriving in the first place, the only people who can actually check the system logs and see what’s wrong are at SBI’s customer care. It’s their OTP service that’s failing, not Finvu’s.
How to Monitor for Widespread SBI OTP Delays
Since Finvu can’t proactively alert us about bank-side problems, we often have to do the monitoring ourselves. When I face an OTP issue with a major bank like SBI, the first thing I do is a quick search on X (formerly Twitter) for “SBI OTP” or “SBI server down.” If I see a flood of recent complaints from other users, I know it’s a widespread bank issue and Finvu can’t do anything about it. It tells me to just relax and try again in a few hours.
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