Resolves caller-provided OTP retrieval before constructing Telegram fallback.
The resolved retriever is memoised for banks whose login flow asks for the
same delivered code more than once (see applyOtpReplayCache), so the
user is prompted once per attempt rather than once per provider step.
Resolves caller-provided OTP retrieval before constructing Telegram fallback.
The resolved retriever is memoised for banks whose login flow asks for the same delivered code more than once (see applyOtpReplayCache), so the user is prompted once per attempt rather than once per provider step.