system
A chat on subreddit /r/me_irl
human
Because most major banking apps have a zelle feature already included in the app. Its instantaneous direct bank account to account transfers. Venmo is just extra steps
gpt
Interesting, I feel like Zelle is complete garbage trash compared to Venmo, Square Cash, or Paypal. But I noticed they have a better design in the First Republic app as of like last month, so maybe they're finally getting it together...?