Having an easy way to pay my peers back is a must. I am the annoying millennial that never has cash so when having drinks with friends or catching dinner with some colleagues, I am the one always having to separate my ticket from others because I only have a credit card to pay with. With the app, Venmo, it gives me an easy way to send and receive money electronically. The app makes it easy to find friends by connecting your Facebook account. Once you connect a bank account it is effortless to send money for any reason. They even allow you to customize each transaction with emoji’s, creating a fun, social media-like experience for your mobile-payment app.