There are so many payment apps out there; PayPal, Venmo, and Zelle, for instance and perhaps you’ve probably wondered: Are these apps actually safe? The short answer—yes, if you’re careful. While most P2P apps use encryption to protect your data, scammers are constantly looking for new ways to trick users into giving up their money. And because these apps are often linked directly to your bank account, one mistake can be very costly. But just knowing how to spot potential scams and fraud can help you use them safely. READ FULL STORY