Generally, this disclosure provides systems, devices, methods and computer readable media for secure user authentication with improved OTP verification. The device may include an attribute collection module configured to collect attributes associated with the device; a client trust module configured to identify a user of the device, associate a user ID with the user and transmit the user ID and the collected attributes to a trust broker system; the client trust module further configured to receive a device ID from the trust broker system, the device ID associated with a pairing of the user ID and the attributes; and a client OTP generation module configured to generate an OTP and further configured to transmit the OTP and the device ID to an authentication server.