YOUR MONEY-Sending electronic money to friends catching on

NEW YORK, Feb 1 (Reuters) - J.P. Pagoadacruz was sitting in a restaurant with friends one night when he realized he had forgotten his wallet. What might have been an embarrassment turned out to be no problem, though, because he had remembered to bring his phone. In a matter of seconds, he transferred money to a friend, using an app for a payment service called Venmo.