Kristen Ruhl, vice president of programs at SecureFutures, discusses digital cash apps like Zelle and Venmo.

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It’s kind of like carrying digital cash on your phone, but are apps like Venmo and Zelle really worth it?

Cash App is one of many popular peer-to-peer, or P2P, payment services like Venmo, Zelle and PayPal. Across the hall from ...