Transaction Error: Your account does not seem to have a phone number, email or hardware token provisioned. Please contact your account officer

What does 'Your account does not seem to have a phone number, email or hardware token provisioned. Please contact your account officer' mean?

This means the customer is yet to have a phone number linked to their account in order to receive an OTP.

What can I do about it?

The customer needs to reach out to their bank to have their account enabled to receive OTPs.