Summary
P2P payment apps aren't banks — and your money isn't protected like it is in one. This lesson compares popular P2P apps, identifies common scams, and walks students through real-world scenarios to practice smart digital payment decisions.
Bellringer: Wrong John Smith
- Pose the scenario: you accidentally Venmo $50 to the wrong person — how do you get it back?
- Allow 1–2 students to share before revealing the answer on the next slide.
Instruction
- Walk through P2P app basics, common apps, and why balances aren't FDIC-insured.
- Cover best practices for app use and phone defense across multiple slides.
Activity: P2P Payments Article
- Have students read the article in pairs or small groups.
- Ask each pair to find 3 specific risks or tips they didn't already know.
Discussion: Real-Life P2P Scenarios
- Present 7 scenarios one at a time; students discuss with a partner before sharing out.
- Push students to justify their app choice and identify red flags in each scenario.
Wrap-Up & Assessment
- List 2 P2P payment apps and how you'd use each.
- How will you defend against scams involving P2P apps?
| Est. Time | Activity | Description |
|---|---|---|
| 5 min | Bellringer: Wrong John Smith |
|
| 10 min | Instruction |
|
| 8 min | Activity: P2P Payments Article |
|
| 17 min | Discussion: Real-Life P2P Scenarios |
|
| 5 min | Wrap-Up & Assessment |
|
Lesson Prep
Peer-to-Peer Payment Apps
Students learn about the risks of apps like Venmo and Cash App.
Class Presentation
Includes a 22-slide deck with teacher notes. Present from Banzai, download a PDF, or copy it to Google Slides.
Presentations, Ready to Go
- Built-in PresentationPresent full screen, straight from Banzai
- Copy to Google SlidesMake an editable copy for your class
- Download or PrintSave as a PDF or print
- Teacher NotesSlide-by-slide guidance, printable as one handout
Unit 5: Banking
CDs & Share Certificates
Locking up money on purpose sounds like a bad idea—but it's one of the safest ways to grow your savings. This lesson explores how CDs and share certificates work, which financial institutions offer which product, and when they make sense.
Peer-to-Peer Payments
P2P payment apps aren't banks — and your money isn't protected like it is in one. This lesson compares popular P2P apps, identifies common scams, and walks students through real-world scenarios to practice smart digital payment decisions.
Consumer Rights & Disputing Errors
Fraudulent charge or merchant dispute? The distinction determines whether you get your money back. This lesson unpacks the Electronic Fund Transfer Act, the 2-day liability rule, and the exact steps to dispute an unauthorized transaction.
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