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

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A smartphone is no more just a calling device, it has evolved to become a small computer with multiple functions and apps
such
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as paying for stuff from the
phone
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itself. Increasingly, more people are using their
phones
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to pay rather than carrying
cash
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or plastic cards. While in my opinion, the benefits of
this
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situation are more than its drawbacks. On the one hand,
this
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situation has few disadvantages. These include the lower physical interaction that paying by
phones
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can generate.
For instance
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, when we are paying from our
phones
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the communication between the seller and buyer is removed, allowing less possible trade to occur.
In addition
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, to pay using
phones
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we need to save our banking
information
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into the device.
Therefore
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, we are entrusting our private
information
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to a
third
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party, who might be a victim of cyberattack or
information
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breach issues.
Furthermore
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, not all vendors accept
phones
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as
payment
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methods.
Hence
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, if you are not carrying
cash
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, you will not be able to shop in some places.
On the other hand
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,
payment
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solutions via
phones
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provide way more benefits.
For example
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, with the Covid-19 issue, many traders and customers alike are preferring to pay using contactless methods,
such
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as
phones
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. Henceforth,
payment
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by
phone
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can be seen as an important solution for
this
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health crisis.
Furthermore
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, paying with
phones
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allows us to carry fewer items with us while travelling. Meaning, there is no need to carry
cash
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or credit cards anymore and allowing us more space for the important stuff. Adding to that, smartphones can be safer to store and pay when compared to
cash
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.
For instance
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, if you lost your wallet, it is hard to get back the
cash
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in it. While if you lost your
phone
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, you could ask your bank to disable your card
information
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and you can look at your
phone
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remotely. In conclusion, it is safe to say that a
phone
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is more than a
phone
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, it turned into a camera, internet browser and a
payment
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tool. For the mentioned reasons, I believe that paying for products and services from the
phone
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has more advantages than disadvantages.
Submitted by azmen2 on

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