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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
In recent years, the introduction of digitalization in the banking industry has
ease
Change the verb form
eased
show examples
 the life of the consumers. Despite
of
Remove the preposition
apply
show examples
certain cons,
this
 transformation has brought comfort as well as security into the area of
finance
Replace the word
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
show examples
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
Add an article
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
Add an article
the apps-based
an apps-based
show examples
 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
show examples
 and suspicious person. To conclude,
although
 there are some
internet related
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internet-related
show examples
 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.
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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