I have tried Zelle before with friends and coworkers and they found it extremely hard to set up and accept payments. It was so difficult for people accepting the payments that they would either not charge me or made me cancel the payment and give them cash.
With the introduction of the latest iOS, It appears &AAPL has once again found an easy way to integrate existing ideas (&GOOG wallet had the capabilities since 2014), into their ecosystem. Now you can send text messages with payments to your contacts or any other number from any of the cards configured in your wallet.
I liked the idea of Zelle when it came out but I think it is just a matter of time before &AAPL and &GOOG make it completely irrelevant.