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I know this is anecdotal, but everyone I know uses Venmo. I have never met anyone who uses Square Cash or Messenger, and I have both apps. To be fair, I don't know anyone in the US that uses WhatsApp, but all my friends in Europe use it. So, maybe it's a regional thing? I would love to see real usage statistics on those.

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I think it depends on the circles you run in. I think clusters of friends and family members probably use different services. My extended extended group of 100+ people all use Venmo (can tell by activity in Venmo feed).

That being said, I ran into someone recently who uses Square Cash with all her friends, but that's the first person I've hear using Square Cash (I downloaded it when it came out but no one else was using it.)

A very interesting real-world example of the network effect among second tier services. Second tier as is not FB, Pinterest, LinkedIn.

It's definitely anecdotal, and as a sibling poster said, it depends on your circles. Mine anecdotally happens to be all square cash and no venmo given the ease of setup for square cash.

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