[reducesuffering]

Zelle and Square's Cash App were not too late. They are both very popular in the US and by all accounts Venmo is the one trending downward in usage. The near future looks like Cash App in first and seconded by Zelle. You're just in a certain segment of the US where Venmo still has first place.

Here's some data from Google: https://trends.google.com/trends/explore?date=today%205-y&ge...

[cromka]

Yes, absolutely aware of Zelle's growing popularity. I also tend to hear "Cash App" a lot more than in the past where "Venmo" was the only thing mentioned.

Still leaves Google', Apple's or Facebook's solutions in the dust.