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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