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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In numerous nations, paying for things using mobile phone applications is becoming more and more common.
Although
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people can face
internet
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problems, I believe that there are more benefits because it is very convenient for them to use it. The advantages of using mobile
apps
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for
payment
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is that it is convenient.
In other words
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, human beings do not have to carry cash, credit cards or exact change to buy products and can pay the money using a single tap, reducing the risk of loss or theft of cards as well as liquidity.
Moreover
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, these
apps
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are secure as they have certain secure codes or encryption to protect personal information.
For example
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, The Times Now recently stated that approximately 43% of Indian people use Google pay for making any payments because of the convenience. As these
apps
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are secure and easy to use, I'm of my opinion that using
apps
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for
payment
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has more advantages. One of the disadvantages is that it requires the
internet
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. As these
apps
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require
internet
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connectivity to function payments smoothly, a person cannot make any
payment
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if he/she has any
internet
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connections problem.
Additionally
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, transactions can
also
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fail if the bank serves are down.
For instance
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, many people in India who uses PayPal or Paytm sometimes cannot make transactions due to network problems.
However
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, I believe that
internet
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issues are temporary but can hamper the process if
such
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problems are consistent. In conclusion,
although
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human beings might face
internet
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connectivity issues, using applications for
payment
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is much more convenient. For
this
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reason, the positives far outnumber these negatives.
Submitted by IELTS on

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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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