It's probably worth noting that Zelle was mostly a rebranding of an existing service: clearXchange. Or, rather, a branding, as prior to the Zelle name, no one a

It's probably worth noting that Zelle was mostly a rebranding of an existing service: clearXchange. Or, rather, a branding, as prior to the Zelle name, no one advertised the underlying clearXchange network. I strongly agree with your general point. Just like any extremely large business, there's small sects pushing forward in various ways, while the vast majority toils away on SSDD stuff.