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I hate it, like Venmo but with deeper bank integration and banks have way more power to approve transactions, like one time someone tried to send me money three times and their bank blocked it every time.
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Zelle is built in into every banking app and has thousands of dollars limit instead of few hundreds and it goes straight to checking account. So all service people, from plumbers through therapists prefer it over other forms.
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I've seen it most commonly with less techno-urban crowds — those who never installed Venmo or Cash app because they never needed to (never splitting bills, no roommates because low cost of living, etc). Their bank pushed Zelle, and so it seemed reasonable.
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I've heard that ~all of Venezuela is using USD via Zelle as a shadow payments network so they can bypass their country's broken monetary system
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