The idea is to boost security and consumer trust in Zelle, the peer-to-peer payment system jointly owned by a consortium of banks, the people said.  The pandemic supercharged money-transfer services. Zelle recorded some 1.8b transactions in 2021 totaling $490b, more than double prepandemic levels. Scammers often seek to trick Zelle users into sending them money under the guise of customer support.