Are you referring to Zelle? I think the issue for users that keeps them on services like Venmo is primarily the UX. The Zelle experience varies depending on the

Are you referring to Zelle? I think the issue for users that keeps them on services like Venmo is primarily the UX. The Zelle experience varies depending on the customer’s bank. It’s a service run by and between the banks, who are generally not as user experience-focused as tech companies. One example of this is that there is no feedback when sending money to a phone number that is not on the platform. The funds just go into the void and are returned a couple days later. By contrast, Venmo lets the payer verify the payee with their profile picture, username, and phone number.