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

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In recent times, mobiles have become more useful than ever and facilitate many use cases
such
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as calls, texts, video conferences, jotting down notes, taking pictures and even making transactions. Some argue that the technological advancement in
payment
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via phones has many drawbacks,
however
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,
this
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essay agrees that the advantages are stronger and will
further
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elucidate the reasons why. The most obvious benefit of making payments via applications on cellphones is that it is extremely convenient. The indispensable need to carry around cash is completely eliminated so individuals do not have to worry about not being able to make purchases solely because they forgot their wallets.
Moreover
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, these simplistic cashless transactions enable people to track their finances more easily.
For example
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, to find out how much was spent in a day or a month, one can just view the statement in the app.
Lastly
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, some latest software even
provide
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provides
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the option of centralised
payment
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,
for instance
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, all the credit and debit cards linked under one account so that the user
do
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does
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not need to bring many cards or install multiple applications for separate bank accounts. Admittedly, it is
also
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true that
payment
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via cellphones has its own risks and
hinderance
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hindrance
.
Firstly
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, cellphones are small,
hence
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, it is prone to theft. In the case of being stolen, the user may have to follow tedious procedures
such
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as contacting the bank to disable the account, reporting to the police and changing passwords of the bank applications.
Otherwise
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, if the passcode were cracked, the balance could be stolen easily.
Secondly
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, despite the popularity among youths, the senior generation may find difficulties adapting to
the
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apply
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cashless payments.
Moreover
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, it may cause them distress as they easily forget their passwords or when falling victim to online scams. To summarise, drawbacks
such
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as
high
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the high
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risk of theft and distress in
older
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the older
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generation are not to be ignored.
Nonetheless
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, the advantages of
this
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new
payment
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method are more robust as it promotes ease of use, enhances people’s
cashflow
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cash flow
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monitoring and the possibility of centralised
payment
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.
Submitted by chitsundi on

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Answer the 'Advantages and Disadvantages' topic

IELTS advantages and disadvantages questions normally give you a statement and ask you to comment on the advantages and disadvantages of that statement.

Answer structure for the type of essay

  • Introduction
  • Body paragraph 1 – advantages
  • Body paragraph 2 – disadvantages
  • Conclusion

Examples to start your body paragraph:

  • The main advantage is...
  • The disadvantage of this...
  • The main benefit...
  • Despite these advantages...
  • One possible drawback...

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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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