People are already using Venmo. Nobody is going to switch to Snapcash or Clinkle.

But Venmo hasn't won. Outside the Valley, I don't know anyone who uses it. (although, mostly the same with SquareCash)

I was surprised to come here and see all the positives for Venmo. I have zero interest in a payment service that is going to hold my money until I request a cash out. Here in the midwest, I've been able to convince suburban parents to use Square Cash via the email cc feature. It's about as painless as it can get, particularly when they still send checks around to each other all the time.

Anecdotally, as a college student on the east coast, I know a ton of people who use Venmo (I use it myself).

However, this same group of people uses Snapchat as well.

Agreed. Most people I know use Chase QuickPay, of all things.

It caught on in San Antonio for a bit but seems to have lost all marketshare to Square.

Here in Seattle many people use it, and I know of people who use it in Chicago