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I'd say currently it's the main way for people to send money to each other. Like 95% cases.
You only need the phone #.
Then you can see and confirm the firstname and first-letter-of-a-lastname and select the bank to send to (and the "main" bank, chosen by recipient, is selected by default)
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Do you find that people use it to send money to each other very often (not just customers paying merchants/businesses)?