Why might Venmo be seeing a decrease in users adding their bank accounts?

A decrease in users linking bank accounts to Venmo could stem from several factors. Users might be opting for credit or debit cards for convenience or to earn rewards, even if it incurs higher fees for Venmo. Alternatively, increased competition from other payment apps, evolving user preferences for payment methods, or concerns about data security and privacy when linking financial accounts could also contribute to this trend. It's also possible that Venmo's own policies or user experience related to bank account linking have become less appealing.