[macNchz]

Sure, but that was really my point: I was just offering a tiny data point on the progress towards the goal that the person I was replying to expressed:

> At this point, I just want one of these pay-with-your-phone solutions to win and be ubiquitous.

I'm not saying this is a clear winner, just that Venmo is well on its way to ubiquity in this market, at least within my demographic/peer group. I'm fairly social, and I try to keep an eye on the tech that people I meet who don't work in tech are using, and Venmo certainly stands out in that regard.

[XorNot]

I live in Australia and have literally never heard of this service until right now. I think you are drastically overestimating its penetration.

[macNchz]

I didn't intend to make any claims about global market penetration. Just pointing out that it has notable tractiom in my market and peer group, and that because of that it had made strides towards the ideal bill-splitting situation outlined above: it is used widely enough that it's a clear default when splitting a bill with a mixed group. Maybe it won't catch on any more widely, but similar apps have been around for a while and never reached the adoption where multiple people in a group would suggest or accept them as payment. It's not actually available outside the US right now, which may be why you haven't heard of it, and which is clearly a big hurdle on the road towards true ubiquity.