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Users can create an account via a mobile app or website and provide basic information and bank account information. One must have a valid email address and a US mobile phone number to use Venmo. Recipients of transactions can be found via phone number, Venmo username, or email. Users have a Venmo balance that is used for their transactions.
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The two services work very similarly from the user's perspective; e.g., both services use email addresses and mobile phone numbers to identify recipients, but Venmo lacks the direct integration with banking institutions that Zelle has and Zelle money transfers are typically processed more quickly. [30]
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