Why do I need to enter an otp everytime I open the app

[NicF]

Lets say you're using your phone and it is stolen out of your hands and is now unlocked. IF your app does not require authentication then the thief would now have full access to your banking app etc. SBSA are simply ensuring they provide an additional security layer to avoid cases of negligence etc aimed at them etc.

[Shabnum]

Why do I need to enter an otp everytime I open the app