More than 60% of all U.S. consumers with mobile banking apps and 50% of those with online banking apps are customers of financial institution members of clearXchange, which has offered person-to-person (P2P) money transfers since 2011. In the fourth quarter of last year clearXchange added two new products — business-to-consumer (B2C) and government-to-consumer (G2C) disbursements. Bank members of clearXchange include JPMorgan Chase, Capital One, Bank of America, U.S. Bank, and Wells Fargo — five of the six largest U.S. banks based on consumer deposits. Their customers, and those of smal...