The other morning, I asked my friend Amanda Mae Meyncke, a writer here in Los Angeles, to explain an app to me.
I used my debit card to pay for our order of coffee and toast, and then got her to pay me back with this app she uses, Venmo.
It's what's known as a peer-to-peer finance app, which is Silicon Valley's way of saying that it lets people pay each other without handling cash or swiping cards. People like to use it to split bills.
To get started, she opened up the app.