From books to dating, many aspects of life have gone digital, and wallets are no exception. Today, many Americans use the internet and smartphones to transfer money to friends, family and businesses. And while users praise these platforms for making paying for things easier, they also express concerns about security and privacy, according to a new Pew Research Center survey.

PayPal—which was founded more than two decades ago—is used by a majority of U.S. adults (57 percent). Smaller shares report ever using Venmo (38 percent) or Zelle (36 percent) and about one-quarter (26 percent) say they have ever used Cash App, according to the survey, which was conducted July 5-17. In total, 76 percent of Americans say they have ever used at least one of these four payment sites or apps. 

Across each of the platforms measured in the survey, adults under 50 have adopted these tools at higher rates. But the starkest age gap relates to Venmo: 57 percent of 18- to 29-year-olds report using Venmo, compared with 49 percent of those ages 30 to 49 and smaller shares among those 50 to 64 (28 percent) and 65 and older (15 percent).

There are also differences by household income. Adults with upper incomes are more likely than middle- and lower-income adults to be users of Venmo or PayPal. In contrast, lower-income adults are the most likely to say they use Cash App: About 36 percent say this, compared with 24 percent of middle-income and 18 percent of upper-income adults.