Over the past several years, large banks have developed mobile payment apps for those with accounts to exchange funds easily amongst one another. In 2009, Venmo was made publicly available and, not long after, the money-transfer app took off due to its convenience and allowance for inter-institutional transfers (members of different banks can transfer money to one another). The app has grown at an incredible rate, handling over $700 million of transactions in the third quarter of 2014 alone. By linking