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And making an initial deposit using a payment app like PayPal or Venmo was supported by no bank. Rob Rubin:. Right. Eleni Digalaki:. When you look at Apple, for example, you open the account and then you can instantly fund it with Apple Pay. It's as seamless as it gets. Rob Rubin:.

They want to cash out their Venmo app is what they want. Rob Rubin:. Is that right? Tiffani Montez:. No. Rob Rubin:. I don't know. Tiffani Montez:. I mean, I don't know. Lauren Ashcraft:. I think it definitely does go back to the fact that they're having trouble setting money aside, saving, budgeting. Rob Rubin:. So it's the simplest budgeting tool, right? Lauren Ashcraft:. Yeah, exactly.

And if the clients that are coming to you are looking to be able to Venmo funds in, they're going to be put off by this ACH thing, which depending on how it's deployed, it could be a big thing. Rob Rubin:. For sure. It's also hard for Gen-Z consumers, who don't have a banking relationship, potentially, to provide a checking account number to transfer money to fund an account.