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Writing Samples
Band 4.5

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

#countries #phone #cellphone #apps #development
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In recent years, the introduction of digitalization in the banking industry has
ease
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eased
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 the life of the consumers. Despite
of
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apply
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certain cons,
this
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 transformation has brought comfort as well as security into the area of
finance
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financial
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 management and,
thus
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, public from various nations are positively adapting
this
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 development. In
this
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 essay, we will discuss how phone banking has created more merits than demerits for
the
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apply
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users.
To begin
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 with, banking applications can facilitate instant payment for any kind of transaction and can
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therefore
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,therefore
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, negate the stress of carrying cash.
In addition
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, these banking applications can provide numerous promotional offers on every payment.
For example
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, at Paytm
app
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,app
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 a person can receive a moneyback of 10% on every usage.
Furthermore
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, phone banking may
also
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 provide ease in pursuing other bank related activities
such
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 as immediate access to
bank
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the bank
a bank
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 statement, easy money
deposite
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deposit
deposited
 and an instant transfer of fund.
On the other hand
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, with the rising rate of
cyber crime
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cybercrime
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, there could be certainly threats associated with the usage of
apps-based
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the apps-based
an apps-based
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 bank like unauthorised transactions.
However
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, the possibility of
such
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 problems can be minimised by creating a strong personalised I'd and password and strictly avoid sharing the one time password with
unknown
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an unknown
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 and suspicious person. To conclude,
although
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 there are some
internet related
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internet-related
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 frauds that may happen with the usage of mobile phone banking, these drawbacks can be handled by strengthening the
secuirty
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security
 code.
Therefore
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, the comfort and experience obtained through payment done via cellphone apps outweigh the disadvantages.
Submitted by abhi on

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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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Topic Vocabulary:
  • convenience
  • safety
  • security
  • time-saving
  • cashless transactions
  • dependence on technology
  • privacy concerns
  • accessibility issues
  • financial vulnerability
What to do next:
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