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

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
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
, public from various nations are positively adapting
this
development. In
this
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
with, banking applications can facilitate instant payment for any kind of transaction and can
therefore
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,therefore
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, negate the stress of carrying cash.
In addition
, these banking applications can provide numerous promotional offers on every payment.
For example
, at Paytm
app
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,app
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a person can receive a moneyback of 10% on every usage.
Furthermore
, phone banking may
also
provide ease in pursuing other bank related activities
such
as immediate access to
bank
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the bank
a bank
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statement, easy money
deposite
Correct your spelling
deposit
deposited
and an instant transfer of fund.
On the other hand
, 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
, the possibility of
such
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
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
Correct your spelling
security
code.
Therefore
, the comfort and experience obtained through payment done via cellphone apps outweigh the disadvantages.
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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
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