Marcus, Zelle and Concord.
They're not names for Silicon Valley start-ups, nor is this list drawn from a pre-K register in Brooklyn's Park Slope. This is what Wall Street has been doing to defend itself from the growing threat of financial technology, or fintech.
"They're reacting to the realization of what customers are using," said Bob Ramsey, senior vice president of equity research at FBR & Co.
And most customers are using their phones increasingly often.
Zelle, which, according to The Wall Street Journal, was conceived at least in part hoping to invoke the imagery of a speedy gazelle, is the new name for a payments platform between major Wall Street banks allowing users to transmit money between phones.
The payments platform, which includes U.S. banks like JPMorgan Chase, is nothing new, although the name is. It's also a clear shot across the bow at digital competitors like PayPal, which has consistently expanded customer accounts and transactions and, perhaps more frightful to Wall Street banks, has logged increasing gains in total payment volume. In other words, PayPal users are driving up growth in payments volume with its products, including Venmo, suggesting it is still catching on with consumers.
A representative for clearXchange, which has been the product's name during its development, did not respond to requests for comment.
Banks aren't the only ones who realize PayPal and Venmo's potential; last month Jefferies analysts pointed out Venmo's "explosive" growth and assigned a buy rating to PayPal's stock, with a target of $48 a share.