3498248 - SUM Phase failing with * 10: authentication failed SQLSTATE: 28000 error

You are stuck on a SUM phase and the error states :

* 10: authentication failed SQLSTATE: 28000

and/or

XXXXXXX 000 (<timestamp>:R3lddb.c:976) DBSL trace (/XXX/XXX_REL/src/dbs/hdb/dbhdbsql.cpp:XXX): Connect to database failed, rc=1, rcSQL=10
XXXXXXX 000 (<timestamp>:R3lddb.c:976) DBSL trace (/XXX/753_REL/src/dbs/hdb/XXXX.cpp:XXX): SQLCODE    : 10
XXXXXXX 000 (<timestamp>:R3lddb.c:976) DBSL trace (/XXX/XXX_XXX/src/XXX/hdb/XXXXX.cpp:XXX): SQLERRTEXT : authentication failed

XXXXXXX 000 (<timestamp>:R3lddb.c:976) DBSL trace (/bas/XXX_REL/src/dbs/hdb/dbhdbsql.cpp:XXX): Try to connect via secure store (<KEY>) on connect
ion 0 ...

• SAP HANA, platform edition 
• Software Update Manager (SUM)

SUM, phase, * 10, authentication, failed, SQLSTATE, 28000, hdbuserstore, KEY, DEFAULT, shadow, user, password, secure, SPDD, reset, tool , KBA , HAN-DB-SEC , SAP HANA Security & User Management , HAN-LM-UPG-SAP , Upgrade of SAP Systems on HANA , Problem