How would you improve Venmo? What features would you build and why?

Focus on identifying specific pain points or limitations in Venmo's current user experience. Consider aspects such as user interface, transaction speed, security, and social features. Propose features that not only enhance usability but also differentiate Venmo from competitors, such as integrating budgeting tools or enhancing social interactions. Justify each feature with data or user feedback, and think about how these improvements align with Venmo's brand and target audience. Be prepared to discuss potential challenges in implementation and how you would measure the success of your proposed features.