The rudimentary email pre-orders at Grossman's stores were helpful, but limiting in that it still focused on a one-on-one interaction with the customer. Grossman has since implemented technology that allows multiple customers to submit a single order.
While Zelle is working hard to become the Venmo for grown-ups, it is also pushing into retail payments, particularly in opportunities for displacement of cash and check and where funds are needed in minutes rather than days or weeks.
The P-to-P payments service promises to clear transactions in near-real time, but many consumers have complained that they have been unable access their money or even open accounts. Zelle has acknowledged the delays and says they are a result of its rigorous enrollment process.