Zelle vs Venmo vs F-messenger vs Apple Pay Cash/Biz Chat vs...who wins? ability to integrate messaging& pay is key. https://mobile.nytimes.com/2017/06/12/business/dealbook/mobile-banking-zelle-venmo-apple-pay.html …pic.twitter.com/Xq2uzxUaPe
we can only see what we think is possible...
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| Country | Code | For customers of |
|---|---|---|
| United States | 40404 | (any) |
| Canada | 21212 | (any) |
| United Kingdom | 86444 | Vodafone, Orange, 3, O2 |
| Brazil | 40404 | Nextel, TIM |
| Haiti | 40404 | Digicel, Voila |
| Ireland | 51210 | Vodafone, O2 |
| India | 53000 | Bharti Airtel, Videocon, Reliance |
| Indonesia | 89887 | AXIS, 3, Telkomsel, Indosat, XL Axiata |
| Italy | 4880804 | Wind |
| 3424486444 | Vodafone | |
| » See SMS short codes for other countries | ||
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Zelle vs Venmo vs F-messenger vs Apple Pay Cash/Biz Chat vs...who wins? ability to integrate messaging& pay is key. https://mobile.nytimes.com/2017/06/12/business/dealbook/mobile-banking-zelle-venmo-apple-pay.html …pic.twitter.com/Xq2uzxUaPe
The Early Warning team has put together the best new bank payment service in 20yrs.. the biggest bank led innovation since the debit card
Smart move for the banks, but it won't succeed JUST because it's from the banks. Product/UX must be good. Agree/disagree?
Would not sell #ApplePayCash short. Brand loyalty & more nimble than #banking consortium. AP knows #CX. Survey said >50% would try APC. #P2P
Gentlemen, great insights! Imagine if Zelle became a loading and unloading system for Apple Pay Cash? $0 cost. P2P and P2B paradigm shift.
Alex, Zelle is a formation of banks to protect bank ownership of the customer. They can offer $0 fee xfer for P2P + P2B.
Alex, ahh. Got ya. $0 cost to all participants. Banks in Zelle see no deep costs to move funds. Thus they can loss leader it as a perk.
This isn't free for any banks. There's nothing banks do that is free to them. Banks aren't charging customers.
Alex, indeed. I agree. The fundamental here is that in the market they own the house advantage. It is "on us" Cash movement.
"On Us" isn't exactly equal across the industry.
Alex, indeed. This is the opportunity.
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