What is Zelle's business model?

Could you please elaborate on Zelle's business model? How does it generate revenue and what sets it apart from other peer-to-peer payment platforms? Are there any specific fees associated with using Zelle, and if so, how are they structured? Additionally, what partnerships or collaborations does Zelle have in place to expand its reach and offerings? I'm interested in understanding the CORE components of its business strategy and how it aims to compete in the crowded digital payments market.