Venmo isn’t a big enough player in mobile payments to merit trash talk from incumbent money-mongers Visa and PayPal the way Google has, but the New York and Philly-based company is making moves. It used to take up to two weeks to transfer money from Venmo to your bank account. Now it takes 24 hours, the result of working directly with banks. But is it Visa, PayPal or Google Venmo has to worry about? Bank of America, JPMorgan Chase and Wells Fargo are gradually rolling out a network within which seamless person-to-person payments can be done from a cell phone; ex-Twitter founded start-ups BankSimple and Square have their eyes on this feature as well.