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