In many countries, paying for things using mobile phone apps is becoming increasingly common. Does this development have more advantages or more disadvantages. tech. less theft, quick pay, cyber crime online fraud, every thing in phone ...chori ,

Today, we are living in a technological era, where
day
by
day
, we are relying more on digital types of equipment to complete our task. It is an undeniable fact that people started doing online
payments
more nowadays.
Although
, it a highly debatable issue that whether
this
kind of
payment
method brings advantage or disadvantage to human beings. In
this
essay, I will discuss both merits and demerits of
this
trend and will provide arguments related to it. To commence with, the mobile
phone
has become a necessary part of our life where we depend on our
phone
for many routine tasks
such
as alarm, reminder,
payment
, GPS and the most important is making calls to our close one. The mobile
phone
is the greatest invention of science which holds many advantages in terms of digital
payment
.
For instance
, now individuals do not need to carry lots of cash for shopping because they can directly make
payment
through the banks in a few seconds.
Furthermore
, it a secure way of doing small or large
payments
. To illustrate it
further
, nowadays, mobile
payments
became the
first
preference of businessmen to make
payment
because it reduces the chances of theft of cash.
On the other hand
, even though the digital
payment
method holds many prons but there are
also
some cons with it.
Firstly
, cybercrime is increasing
day
by
day
and not all apps are secure.
Thus
many crimes related to money is getting reported.
For example
, by using technology hackers can hack an online
payment
app and can deposit money into their account.
Secondly
,if one lost their
phone
then
it can be a major risk because we store everything in our phones
such
as credit card or debit card details. By using these details anyone can make online
payments
easily.
lastly
, not everyone has a bank account and by doing online
payments
we are stealing business from small business owners who depend on their daily cash income. To put it in a nutshell, I pen down saying that
although
, digital
payment
option has some major disadvantages its advantages outweigh its disadvantages.
Moreover
, people should be aware of online fraud and they should not trust all website for
payments
. The government should
also
take strict actions against hackers.
Submitted by pragnapatel027 on

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