2939522 - Installation fails while testing connection to the database

While running an installation or migration, SWPM fails with the error below in sapinst_dev.log:

TRACE 2020-06-16 18:09:37.371 (SRV3SAPSOL\Administrator) (startInstallation) [synxcpipe.cpp:175] CSyStdOutErrPipe::onUnderflow(void * buf, int maxBytes, int timeout)
Syslib info about system call. OS message 109 (The pipe has been ended.) after execution of system call 'ReadFile' with parameter 
((CSySysLibCallsWrapper::syscallwrapper()->__read__ end of child process output pipe)), line (371) in file (\bas/bas/749_REL/bc_749_REL/src/ins/SAPINST/impl/src/syslib/process/synxcpipe.cpp).

WARNING 2020-06-16 18:09:37.371 (SRV3SAPSOL\Administrator) (startInstallation) [iaxxbjsmod.cpp:83] id=modlib.jslib.childAppReturn
Execution of the command ""C:\Program Files\sapinst_instdir\SOLMAN72SR1\SOLMAN72SR1\ORA\INSTALL\STD\ABAP\R3load.exe" -testconnect" finished with return code 12. Output: 
A1 EGEN 004 C:\Program Files\sapinst_instdir\SOLMAN72SR1\SOLMAN72SR1\ORA\INSTALL\STD\ABAP\R3load.exe: START OF LOG: 20200616180933
A1 EGEN 002 ====================================================
A1 EGEN 006 RELEASE: version lmt_020, code page [UNICODE]
A1 EGEN 008 Source ID: "@(#) $Id: //bc/lmt_020_REL/src/upg/R3ld/R3load/R3ldmain.c#18 $ SAP", compile time: "19:10:51 Jun 7 2020"
A1 EGEN 007 DBSL: version 753
A1 EGEN 016 FORMAT: data 1.22, STR-file 16, logging "upgrade", log level: 4
A1 EGEN 002 ====================================================
A1 EGEN 010 PROCENV: working directory "C:\Program Files\sapinst_instdir\SOLMAN72SR1\SOLMAN72SR1\ORA\INSTALL\STD\ABAP", process id 4092
A1 EGEN 011 CMDLINE: "C:\Program Files\sapinst_instdir\SOLMAN72SR1\SOLMAN72SR1\ORA\INSTALL\STD\ABAP\R3load.exe -testconnect"
A1 EGEN 002 ====================================================
A1 EGEN 002 ====================================================
A1EEGEN 000 (DBS) db_connect failed with rc = 256 'failed to connect to the database'
A1EEGEN 000 (DBS) SQL error = 1017
A1EEGEN 000 (DBS) ORA-01017: invalid username/password; logon denied
A1EEGEN 000 (DBS) DbSlErrorMsg rc = 99 'all DB errors, except for ...'
A1EEGEN 027 Exit code: "12"
A1 EGEN 005 C:\Program Files\sapinst_instdir\SOLMAN72SR1\SOLMAN72SR1\ORA\INSTALL\STD\ABAP\R3load.exe: END OF LOG: 20200616180937

In R3load.exe.log, there's the following message:

A1 EGEN 004 C:\Program Files\sapinst_instdir\SOLMAN72SR1\SOLMAN72SR1\ORA\INSTALL\STD\ABAP\R3load.exe: START OF LOG: 20200616175821
A1 EGEN 002 ====================================================
A1 EGEN 006 RELEASE: version lmt_020, code page [UNICODE]
A1 EGEN 008 Source ID: "@(#) $Id: //bc/lmt_020_REL/src/upg/R3ld/R3load/R3ldmain.c#18 $ SAP", compile time: "19:10:51 Jun 7 2020"
A1 EGEN 007 DBSL: version 753
A1 EGEN 016 FORMAT: data 1.22, STR-file 16, logging "upgrade", log level: 4
A1 EGEN 002 ====================================================
A1 EGEN 010 PROCENV: working directory "C:\Program Files\sapinst_instdir\SOLMAN72SR1\SOLMAN72SR1\ORA\INSTALL\STD\ABAP", process id 1996
A1 EGEN 011 CMDLINE: "C:\Program Files\sapinst_instdir\SOLMAN72SR1\SOLMAN72SR1\ORA\INSTALL\STD\ABAP\R3load.exe -testconnect"
A1 EGEN 002 ====================================================
A1 EGEN 002 ====================================================
A1EEGEN 000 (DBS) db_connect failed with rc = 256 'failed to connect to the database'
A1EEGEN 000 (DBS) SQL error = 28040
A1EEGEN 000 (DBS) ORA-28040: No matching authentication protocol
A1EEGEN 000 (DBS) DbSlErrorMsg rc = 99 'all DB errors, except for ...'
A1EEGEN 027 Exit code: "12"
A1 EGEN 005 C:\Program Files\sapinst_instdir\SOLMAN72SR1\SOLMAN72SR1\ORA\INSTALL\STD\ABAP\R3load.exe: END OF LOG: 20200616175822

• Oracle database
• SSFS configured
• Any OS

install sapinst connectivity database db ora userid passwd pwd fail failed failing authentication , KBA , BC-DB-ORA , Oracle , BC-INS-MIG , OS/DB Migrations with SWPM and DB refresh , Problem