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4.5
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In many countries mobile phones are used to pay for things. Does this development have more advantages or more disadvantages?

There is no denying the fact that people now relay on their phone for payments.
5
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In many countries mobile phones are used to pay for things. Does this development have more advantages or more disadvantages?

The number of apps for mobile phones which allow in-app payments has increased in recent years. Although there are some downsides to using smartphones for purchases, I think that they are outweighed by the upsides.
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