[sksksk]

Something I find interesting about Venmo, Square cash etc... is how they target shortcomings in the US Banking system.

In the UK, pretty much anyone with a bank account can go to their bank's website and transfer money to any other bank account in the UK instantly, and for free.

Every bank has their own interface, some better than others, but it works well enough that I don't think Venmo could ever take off here.