[XaspR8d]

I've yet to see a payment app reach any major usage in my social network, which is extremely fragmented among Google Wallet, Snapcash, PayPal, Square Cash, Popmoney, Simple, bank-specific apps i.e. Chase Mobile... (Weirdly enough I don't know anyone using Venmo, though I'm familiar with it from HN and the like.) It seems like everyone wants a simple payment app, but there's a huge 'sign-up fatigue' from the fragmentation, and no single app has reached a useful saturation. I wish I were seeing the "viral spread" others see and don't really even care much about feature parity. :\

[avn2109]

That's odd. Literally 95% of my friends are on Venmo, with the only holdouts being the people who refuse to grant account withdrawal permissions to a third party.

[cauthon]

I don't like the "bucket" approach or Venmo's emphasis on linking to Facebook, so I don't have an account and use Square Cash or BofA transfers instead. I'm the exception though, I'd agree that the vast majority of my friends use it.

[aakilfernandes]

That was me up until a few months ago. A combination of a good track record and not wanting to be "that guy" caused me to switch. Don't make me regret it Venmo!

[jlewallen]

I just got introduced to VenMo a few weeks ago and was surprised by how many people outside of my circle seemed to be using it. The money I received is still sitting there just in case I need to reimburse somebody else soon.

I think if you have roommates you're much more likely to have heard of it. I personally would only need it for dinners/drinks/rides and when I go out socially I tend to fall back on the old approaches to keeping things square among the people in my circle.

[aidenn0]

Maybe it's because of age, but I don't know of any of my friends using any of those.

[vocatus_gate]

I always dream of the day bitcoin will reach the point where it's widely used. It's literally the perfect solution for scenarios like this, but like everything else is heavily dependent on the network effect for success.