"Ear­ly Warn­ing Ser­vices, LLC, the net­work oper­a­tor behind Zelle, today released the results of its sec­ond Dig­i­tal Pay­ments Adop­tion Study. It found that 50% of first time P2P users are aged 45 and old­er. Not just for younger gen­er­a­tions, old­er gen­er­a­tions are tri­al­ing P2P because of grow­ing con­fi­dence and trust in dig­i­tal pay­ments."