Venmo found a problem and solved it. It made it easy to make domestic personal payments. What other problems are lurking that will need future solutions in the payment industry.
But now that this is available, coupled with corona limitations of travel and shopping. The calculated jaunts are also now aggregated to solve not just your house but some family or friends too. This makes these services even more essential.
Since Venmo can hold balance, it could solve the underbanking problem minus the fees.
In the Implementor, Ideator, Clarifier, Developer frameowrk, startup founders who have faced a problem that they are tring to solve are the implemetors at first for whom the product is being made. Starting with that one use case is a solidified reality. This is well pointed out in The Biggest Mistakes First-Time Founders Make by Michael Seibel, that "choosing to solve a problem that they dont care about". Not picking the problem in its presented state is losing that cycle of a protoyped users needs.
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