Person-to-Person (P2P) payments, that allow a person to transfer funds from their account to another individuals account via a mobile device, are quickly gaining acceptance and use. Payment options from FinTech providers like PayPal, Venmo, Facebook Messenger, Snap Cash and Apple Pay Cash are meeting your accountholder’s payments needs and taking away deposits from your financial institution. In response, Early Warning has developed Zelle; a P2P option that can integrate with your on-line banking application. This session will provide an overview of the most common P2P applications, allowing you to better understand the potential impacts to your organization.