Fintech, a portmanteau of financial technology, has been revolutionizing the banking and finance sector for a few years now. The emergence of digital banking has made it easier for individuals to access and manage their financial resources with more convenience than ever before. One such fintech company that is particularly interesting is Zelle, an online payment service. This peer-to-peer payments platform allows users to securely send money from one bank account to another in minutes (Zelle 2020). According to its website, “you don’t need cash or checks in order to make payments – just your email address or U.S. mobile phone number” (Zelle 2020).
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