In many countries, paying for things using mobile phone (cellphone) apps is becoming increasingly common. Does this development have more advantages or more disadvantages?

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Currently, the usage of
smartphone
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payment
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applications has risen in a significant number of countries. While
this
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tendency may increase the vulnerability of personal data, I am convinced that the advantages of
this
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kind of
payment
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can make the paying
process
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more convenient for people. On the one hand, using a
smartphone
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application for payments can make one’s bank account vulnerable. Nowadays, hackers are inventing and developing various viruses that can infect the application’s
payment
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system, thereby getting access to your bank account details. Doing
this
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, they will use
this
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information for stealing money. A few years ago in Ukraine,
for example
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, there was a terrible scandal regarding PrivatBank’s online
payment
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system which was substituted with a false one. The latter was collecting personal data of the bank customers that tried to pay using
this
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system.
Therefore
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, hundreds of users were robbed by hackers as they knew the clients’ passwords and other data to use those accounts for their advantage.
On the other hand
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, while paying for things with applications may endanger your savings, I do believe that
this
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tendency simplifies the
payment
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process
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allowing people not to carry significant sums of
cash
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. Going shopping tends to make one carry a big amount of
cash
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, and in
such
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a case paying with a
smartphone
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can prevent your money from being stolen during the
process
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. Not only might applications save your
cash
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, but
also
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they make the
payment
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process
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much easier. Online
payment
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systems save your time as you pay for your purchase just by touching the
payment
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terminal with your phone as well as by just pressing a few buttons and wiring your money.
As a result
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, the whole shopping
process
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is becoming faster and more convenient for an individual. To conclude, everyday usage of
smartphone
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applications for shopping has become more popular among people.
Such
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a trend may cause the vulnerability of a customer’s personal data,
however
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, I would still argue that the simplicity of
such
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a method and the safety of
cash
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that it brings are likely to be positive factors of
this
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tendency.
Submitted by Olena on

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    • Sentence 1 - Background statement
    • Sentence 2 - Detailed background statement
    • Sentence 3 - Thesis
    • Sentence 4 - Outline sentence
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    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
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    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
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    • Sentence 1 - Summary
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Topic Vocabulary:
  • convenience
  • safety
  • security
  • time-saving
  • cashless transactions
  • dependence on technology
  • privacy concerns
  • accessibility issues
  • financial vulnerability
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