When I do the cash withdrawal at SS $tm machine, even though got the option to use Digital token OTP (DBS/POSB), I still lazy just choose the SMS OTP

. Like that, when the SMS OTP message come in, I can immediately key in whilst still on the SoCash app screen.
But if using Digital token OTP, gotta open up the bank app, generate the OTP, then go back SoCash app and then key in OTP. Mar huan leh, plus the SoCash app loading can be quite slow. I scared if jump from app to app whilst still in the middle of SoCash transaction, wait got error then sian 1/2 liao.