>We thought, “Why are we still doing this? We do everything else with our phones. We should definitely be using PayPal to pay each other back. But we don’t, and

>We thought, “Why are we still doing this? We do everything else with our phones. We should definitely be using PayPal to pay each other back. But we don’t, and none of our friends do.” None of my friends use any pay services. Apple pay, Venmo, Paypal, it's a crapshoot if I can find a way to pay them back. I was able to convince them to use Facebook Messenger pay because we were having a conversation in it once. We are in our 20s. I would be surprised if they had set up Apple/Google pay on their phone to pay contactless (maybe now with covid). My point is -- Venmo doesn't solve any problems it just creates another -- namely another payment system none of my peers use.