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

Today's technology is rapidly developing. It is especially visible in the improvement of the banking systems. Banks all over the world are digitalizing by implementing not only cashless but
also
cardless payments. Nowadays, it is possible to pay via an app on your mobile
phone
in a lot of countries. What is more, usage of
such
apps
has become common
.
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Although
I can see a lot of advantages brought by
this
solution, I would argue that they do not outweigh the disadvantages. I shall discuss both sides of
this
argument. One of the main advantages of paying via cellphone is comfort. A
phone
is much handier and it is always within our reach. A lot of women stand in front of the cashier for ages before they
finally
find a wallet in their big purse.
In addition
to that, banking
apps
are very easy to use.
This
encourages new users including those less familiar with new technologies.
On the other hand
, people tend to spend too much money because of how easy it is to pay via mobile
phone
. Psychologically, it is much harder to spend tangible money that we can count and see.
Furthermore
, using
apps
that allow for mobile payments requires storing sensitive data on the mobile
phone
.
Therefore
, people are more susceptible to potential data theft. To conclude, THE phenomenon of paying by mobile
phone
apps
has its pros and cons.
This
payment method has proven itself TO BE very comfy and user-friendly.
However
,
such
facilitation can be tempting to spend more money than we actually need.
Moreover
, paying via
phone
may
also
be dangerous if we are not cautious enough with our data privacy. All in all, I believe that paying for stuff using mobile
phone
apps
has more disadvantages than advantages.
Submitted by natalia.gasowska 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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