does this say something about how fast snapchat is innovating?
[1]: http://bits.blogs.nytimes.com/2012/03/20/after-2-years-in-be...
[2]: http://googlecommerce.blogspot.com/2013/05/send-money-to-fri...
[3]: http://allthingsd.com/20131015/the-money-is-in-the-email/
I personally use SquareCash all the time, and also use PNC bank's complimentary POPmoney setup to transfer funds for free (with PNC, I scheduled a partial rent payment to go to my landlord's bank account automatically every paycheck).
But this totally tells us about how slow facebook is moving. They had 100x people, 100x money but still end up 2x slower.