Among the disjoint groups of my own friends and my girlfriends' friends (none of whom code or are tech savvy at all), everyone I know in NYC uses Venmo. I learned about it from non-tech people. It could be because Venmo advertised very heavily in NYC mass transit a long time ago.
My friends in the Bay Area, in contrast, are far less likely to know about Venmo and either use none of these options or are pretty fragmented.
YMMV, of course :) it just seems like Venmo has done really well in one particularly large market, and the other ones are still way more fragmented.
That sounds perfectly reasonable and I could totally believe it. Many of these services seem to have an adoption in NYC or SF that may not be representative of other areas.
My friends in the Bay Area, in contrast, are far less likely to know about Venmo and either use none of these options or are pretty fragmented.
YMMV, of course :) it just seems like Venmo has done really well in one particularly large market, and the other ones are still way more fragmented.