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

It is true that the popularity of using digital

payment

via smartphones are growing more and more, yet, some people argue that flawed aspects of using

such

apps

are deniable. Herein, I do believe the convenience in time-saving offer

this

way outweigh its drawbacks in which the old generation can not use

apps

. Talking about the negative side

firstly

,

Although

paying by

apps

are convenient, digital transactions for old generations and some who are not familiar with electronic gadgets is not as suitable as for other people. Plus, in some cases the internet is not reachable, using an online

payment

system would not work.

For example

when people go on holidays to the mountains,

then

, internet access is limited.

Secondly

, these

apps

could be prone to digital fraud and misused financial information if the

apps

were not secured adequately or the smartphone was stolen.

However

, the online system of

payment

has brought a great deal of convenience to human’s lives. To illustrate, the majority of the population have smartphones with set up

apps

, so, they can transfer money or pay for goods with a tap on the screen. They do not

then

need to carry cash or swipe a credit card.

For example

, PayTM and Paypal, worldwide

apps

, have been accepted as instant transaction ways without standing in ATM queues.

Additionally

, some online services offer a discount,

for instance

, Maxim gives instantly 10% cashback if customers use

this

app or offer others.

As a result

, paying online is not only convenient and affordable but

also

can be regarded as a fast way of transactions. In conclusion,

although

there are several drawbacks to using digital

payment

such

as fraud or age-based working, I strongly believe

payment

apps

meet people’s convenient and time-saving requirements.