Artificial Intillegence » Zelle Payment for evergreen

1.Friends and Family Money: P2P Transfers and Financially Fragile Households
Authors: Harvard Business School
Focus: Examines how Zelle and other P2P platforms affect financially vulnerable users.
Key Insight: Zelle enables fast, bank-to-bank transfers but is primarily designed for consumer use, not small business integration.

🔗 Read the paper: https://www.hbs.edu/ris/Publication%20Files/Friends%20and%20Family%20Money_EW_070667a7-ea14-40d6-a6da-9a117abbd358.pdf

2. User's Perception about Cashless Payments – A Literature Review
Published by: IJCRT
Focus: Reviews digital payment adoption across demographics, including Zelle usage.
Key Insight: Zelle is part of the broader shift toward cashless ecosystems, but its business utility is limited by lack of public APIs.

🔗 Read the paper: https://ijcrt.org/papers/IJCRT2207230.pdf

3. Bank-led Innovation: The Expansion of the Zelle Network in the US
Published by: IvySci
Focus: Analyzes Zelle’s growth and its bank-centric infrastructure.
Key Insight: Zelle’s closed network restricts access to fintechs and small businesses, limiting innovation.

🔗 Explore IvySci: https://www.ivysci.com/en/articles/11037325__Bankled_innovation_The_expansion_of_the_Zelle_network_in_the_US__key_drivers_market_impact_and_futur

1.Friends and Family Money: P2P Transfers and Financially Fragile Households
Authors: Harvard Business School
Focus: Examines how Zelle and other P2P platforms affect financially vulnerable users.
Key Insight: Zelle enables fast, bank-to-bank transfers but is primarily designed for consumer use, not small business integration.

🔗 Read the paper: https://www.hbs.edu/ris/Publication%20Files/Friends%20and%20Family%20Money_EW_070667a7-ea14-40d6-a6da-9a117abbd358.pdf

2. User's Perception about Cashless Payments – A Literature Review
Published by: IJCRT
Focus: Reviews digital payment adoption across demographics, including Zelle usage.
Key Insight: Zelle is part of the broader shift toward cashless ecosystems, but its business utility is limited by lack of public APIs.

🔗 Read the paper: https://ijcrt.org/papers/IJCRT2207230.pdf

3. Bank-led Innovation: The Expansion of the Zelle Network in the US
Published by: IvySci
Focus: Analyzes Zelle’s growth and its bank-centric infrastructure.
Key Insight: Zelle’s closed network restricts access to fintechs and small businesses, limiting innovation.

🔗 Explore IvySci: https://www.ivysci.com/en/articles/11037325__Bankled_innovation_The_expansion_of_the_Zelle_network_in_the_US__key_drivers_market_impact_and_futur