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For a lot of college students, the convenience of swiping a card teamed with the prevalence of systems like Apple Pay have virtually eliminated the need for cash. The only scenario where these systems fall short is in person-to-person transactions, but an app called Venmo could be the solution.
Venmo is a PayPal-owned service that allows you to quickly and easily send or receive money. With apps available on both Apple and Android, Venmo handles billions of dollars each year.
While Venmo does require you to link a bank account or debit card, the app keeps money sent to you in a dedicated account. This means that if someone sends you $20, you then have $20 available to send to others before Venmo withdraws anything from your bank account. While some could argue this feature is a downside, there is a big button you can press to transfer your Venmo balance back to your bank if you are so inclined.
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Carrying cash is kind of a pain in the ass. Before Venmo, reimbursing a friend required a ten-minute walk to the ATM, a $3 service charge and more hassle than its worth. After using Venmo for the past few months, the level of convenience it offers teamed with no apparent downsides makes Venmo a valid solution to the issue of person-to-person transactions in the digital world.
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