system
A chat on subreddit /r/wallstreetbets
human
It has strong name recognition like apple or robinhood, sure they're alternatives, but this product is what's most popular  
  
 The phrase 'I'll venmo you' is being engrained in youth culture, it's only going to get more popular. 
  
 The biggest thing I've noticed though is how many people really use the instant deposit. I've always been fine waiting 2-3 days, but it seems like alot of people just want their money now. That's good news for paypal

gpt
Whenever I use a service and they tell me they don't take Venmo but they'll take Zelle/Chase Quickpay I give them cash. 
  
 Your, 'I'll Venmo you.' observation is also huge. 
  
 I don't know anyone who uses the instant deposit because our money hits within the span of 24 hrs but that's also a good point. 
  
 With the Venmo card coming out too it will be interesting to see where that leads them.