My sibling and their friends use the Cash app, they find the social networking aspect of venmo appalling. I think when Venmo came out, there was nothing else as convenient, so we accepted the social networking aspect for the convenience.

Man, what a brilliant feature though, for Venmo. Provide users with Emoji autocomplete, get perfectly labeled transactions. If I try to pay my roommate for electricity, it asks me to use a series of emojis that represent "electricity bill." In this way, Venmo is getting users to remove the ambiguity in describing their transactions. Something like "electricity" could refer to say, a night club, but Venmo got me to accurately label it as a power bill.