In total, 76% of Americans say they’ve never used the payment apps PayPal, Venmo, Zelle, or Cash App. With the financial world becoming increasingly digital and advanced payment options available at your fingertips, it can be tricky to decide whether payment apps are a safe option. Today we’ll discuss the basics of digital wallets and payment apps, including their safety. We’ll also give you tips on how to use them securely if you choose to.