[onedev]

I swear sometimes we need to step back and think about things from a general consumer perspective and not one of the analytical early adopter.

Most people wouldn't remember a number like a checking account number nor do they carry checks around with them. Venmo is simple and easy for them to send money to friends without having to log into a bank's shoddily designed website and figuring out how to transfer funds which is probably non-obvious in the first place.