Zelle is also mentioned in the article, which I don’t know much about but use because they partnered with a bunch of banks, mine and my parents included. My boomer parents who have always been afraid of PayPal because of the sheer number of scammers pretending to be PayPal (which, to be fair, if you’re not tech savvy enough to avoid the scams, avoiding the platform they’re pretending to be actually works), but they use Zelle, because of that bank integration.