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Using peer-to-peer payment apps to split a bill has become the norm, especially among Gen Yers in the US, nearly two-thirds of whom have adopted P2P mobile banking functionalities. Venmo alone saw users send and receive $8 billion through its app in Q2 2017, with some even using it to pay each other for drugs. With speed and convenience the main benefits of such payments, new tools are doubling down on this appeal, giving people the ease of mobile transfers without having to open a standalone app.