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

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Mobile phones have become an essential component of everyone’s life. Nowadays, with the advent in mobile apps, more and more people are using mobile phones to conduct financial transactions

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as bank transfers or simply, paying for

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things.

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essay will discuss why there are certain drawbacks with

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new trend but why, ultimately,

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phenomenon will continue to grow. Many would argue that paying through mobile phones is inherently a risky proposition.

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, cyber-crime is a real threat and hackers are constantly finding innovative ways to hack smartphones to steal credit card and other financial information.

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, relying on a device which is vulnerable to physical as well as financial theft, to make transactions is like opening a ‘Pandora’s box’.

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, increasingly OTP frauds are being reported where hackers capture someone’s bank details from their smartphone and easily get confirmation from phone owners by pretending to be bank officers, stealing one’s hard-earned money.

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, certain sections of the society

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as old people and traditional neighbourhood shopkeepers find handling digital payments a cumbersome process due to their digital literacy. Despite many efforts by the government, encouraging adoption of mobiles phones as a wallet is an uphill task. These incidents will keep many people away from using their mobile phones as wallets.

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, the ease of usage and native security of applications designed for mobile phones are factors which help propagate mobile phone’s use as a mode of payments. The convenience of not carrying a wallet is far too important to be ignored.

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, many applications have additional security built in to prevent unauthorized usage.

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, during the current pandemic, when handling physical currency notes was risky, people relied on apps to pay for their

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needs and the apps’ usage skyrocketed.

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, entering a one-time-password in apps to grant permission to pay, was not only handy but

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secure for the users.

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, sufficient checks are in place for using these apps reliably. To sum up, the increasing popularity of digital payments will become pervasive across businesses and individual users.

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essay discussed the drawbacks of

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trend but highlighted the benefits associated as well. In my opinion, the advantages outweigh the disadvantages and

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development is projected to grow in the long run.

moonis.ahmedFri Dec 25 2020

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Answer the 'Advantages and Disadvantages' topic

IELTS advantages and disadvantages questions normally give you a statement and ask you to comment on the advantages and disadvantages of that statement.

Answer structure for the type of essay

Introduction
Body paragraph 1 – advantages
Body paragraph 2 – disadvantages
Conclusion

Examples to start your body paragraph:

The main advantage is...
The disadvantage of this...
The main benefit...
Despite these advantages...
One possible drawback...

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10
Linking words
meeting the goal of 7 or more
1
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 5.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 8.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 7.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

382 words

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

Answer the 'Advantages and Disadvantages' topic

Technology is being used more and more in education. Some people say that this is a positive trend, while others argue that it is leading to negative consequences. Discuss both sides of this argument and then give your own opinion.

Many parents encourage young people to leave home when they become older, while others think they should stay at home with the family. Discuss both views and give your own opinion.

More and more children are accessing the Internet unsupervised. This can sometimes put them at risk. What problems do you think parents face when dealing with their children using the Internet? How can this problem be solved?

Nowadays, we are producing more and more rubbish Why do you think this is happening? What can governments do to help to reduce the amoung of rubbish produced?