Otp codes can be obtained also by having private otp services apis?

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Okay, here's the thing. I did some research, and the SS7 attack is almost nonfunctional for the US.
On the other hand, I was told about the problem with 4G and 5G networks.
What would be the current solution to gain access to the SMS messages a cell phone receives?
Whether to change email passwords or for verifications that banks send for purchases with CC?
 
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