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?

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