In the present age,many people use the internet an smartphones to trasnfer money to friends,family,and business.But in the meantime whether this way to pay should be spread has sparked much debate.Some people assent that using the internet and smartphonees to trasnfer money can protect people from being stolen and make peole feel more comfortable,while many others hold an opposite opinion.Personally,I'm in favor of the former view .Convincing arguements can be made in this essay.