In fact this is just the second time I've heard about Venmo and I don't care remotely. My peer group is heavily PayPal based and therein lies the issue - fragme

In fact this is just the second time I've heard about Venmo and I don't care remotely. My peer group is heavily PayPal based and therein lies the issue - fragmentation suddenly becomes painfully obvious when you try to pay someone you've not sent money to before or you go to a new store which has decided to use the new hotness which you've never even heard of.