Isn't "etransfer clunky compared to venmo" just a function of how your particular bank has designed their app UI/UX?

Yes but I'd like if the market had the ability to compete for better money transfer UI/UX than switch banks because their app is mediocre.

	▲	Marsymars 41 minutes ago \| parent [-]
		Switching banks in Canada seems like a much easier proposition to get a better UI/UX for money transfer than any option in the US with Venmo. You can't switch to alternative apps that use Venmo, and if your network of people uses Venmo, you can't use a different money transfer network.