No way of overwriting the default message upon creation of an SmsFactor with implicit creation of Challenge

[mrafiei]

In case users want to create an SmsFactor with implicit challenging in same request they do the following:

CreateSmsFactorRequestBuilder builder = Factors.SMS.newCreateRequestFor(factor).createChallenge();
factor = account.createFactor(builder.build());

There is no way for overwriting the default sms message.
Solution:
Either let the createChallenge() take a parameter String message or provide a new method createChallenge(String message)