P2P remains on the rise, and PayPal’s app Venmo remains the service to beat despite the rise of other real-time transfer services.

In fact, a growing number of Venmo users might be ready to ditch a bank’s involvement entirely. About 50% of Venmo users don’t bother to transfer the money they receive in the app into their bank accounts, according to Malauzai Software’s Monkey Insights report for August 2017.

Rather than transfer, these users prefer to leave the money in the app to pay other Venmo users later —meaning they are unlikely to be pulled away to another P2P service simply because that application is offering real-time bank transfers.

The report is based on July 2017 data collected from about 435 banks and credit unions, comprising of 805,000 active Internet and mobile users.

This means banks might still have some work to do with P2P, despite the successive launch of Zelle across multiple banking apps. Only 3% of active virtual banking users (both desktop and mobile banking) are currently choosing to use P2P, according to Malauzai.

When it comes to transfers, bank P2P users unsurprisingly transact much higher amounts, averaging at about $450. Venmo transactions average at $25, according to the report.

Read the full report here.