[ibrahima]

I wish they had a better app experience. For me, it's a pain to sign into the Wells Fargo app (partly because I have enabled SMS authentication) just to transfer money to someone for lunch - and once you're in the Wells Fargo app, the Zelle functionality is not that obviously labeled. I wish they had just made a "Zelle" app that stays signed in for payments less than some threshold, and syncs your contact lists, etc. I too would love to kick out the middleman if possible but you have to make it easy enough for average users to use, and right now that's not the case.

(I still have yet to actually use Zelle, because I don't know anyone who uses it, but I've tried going through the workflow a few times)