Financial technology is changing the way we handle our money and can seem like the wild, wild west. Each app has a different set of services, requirements, and fees, and regulations created for traditional banking services don't necessarily apply. Learn how these tools work and what to look for before you transfer money with Cash App, Venmo or Zelle; make deposits with neobanks such as Chime, Sofi, and T-Mobile Money; or link bank accounts and credit cards to digital wallets like Google Pay and Apple Pay.