With most banks, you need to receive an OTP via SMS or email to complete the banking transaction. Behind the scenes, a Lagos company has been powering the process for nine years. “Every OTP that fails is a customer who believes their money is gone,” he said. Termii OTP: Building trust is rewarding but expensiveThe company’s path was not smooth, and Abayomi did not present it as one. Asked how the company plans to grow its reach, Abayomi pointed to depth rather than geography alone.