When we found out about Zelle (which our banks advertise) we switched to it immediately (me and my fiancée) it involved no effort on our part, just maybe telling them what our email was so other people can send us money by email. The rest was handled by our banks. If venmo can be that frictionless then I can see them taking over, but I wont bother installing venmo or giving it a shot now. I'm more likely to paypal someone funds if they don't have Zelle or Google Wallet.

I guess I fall somewhere in the 20-30 market though.