Techniques for transaction-specific authentication. An access manager receives information for a transaction. The information can be received in an authentication request from an application that is to perform the transaction or received as part of a transaction request. The information identifies an attribute associated with the transaction and includes a value for the attribute. The access manager uses the value to generate a first one-time password (OTP). The first OTP is compared to a second OTP received from a client device of a user who requested the transaction. Matching of the first OTP and the second OTP indicates that the value received in the information for the transaction matches a value provided by the user to the client device. Based on determining that the first OTP matches the second OTP, the access manager transmits an indication to the application that the user is successfully authenticated for the transaction.