Zelle is a United States–based digital payments network owned by Early Warning Services, a private financial services company owned by the banks Bank of America, BB&T, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank and Wells Fargo.

Cash App is a mobile payment service developed by Square, Inc., allowing users to transfer money to one another using a mobile phone app. As of February 18, 2018, the service recorded 7 million active users