In its latest attempts to fend off the forthcoming Apple Pay, Square introduced a new Cash App that allows people to text or email money without setting up a Square account. The recipient doesn’t need the app to get a notification, although they do need to submit their banking information for the transfer to work. Overall, it appears to be more user-friendly than other payment apps like PayPal or Venmo, but it seems doubtful that it will prevent Apply Pay from taking over the mobile payment market.