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

Mobile phones are one of the must-carrying things in modern daily life, making them ideal equipment as payment media. Argues about the growing use of payment

apps

is worth considering before fully relying on them. I believe that the advantages of

this

development can overweight its backside after examining its ease of access and safety. Smartphonesphones are easier to be accessed as people will take them every day and the technology makes them more accessible to use compared to a real card and note.

For example

, what makes only carrying a phone to live a life possible in China is that everything can be paid for using mobile

apps

. Using

apps

to pay money can save the space of your pocket as a wallet containing notes and cards is not needed anymore. These

apps

have definitely made paying process less complex and may potentially help the economy.

However

, some may

also

suspect the absolute safety of these new coming

third

part software.

On the other hand

, claiming the use of Artificial Intelligence to reduce the risk not only satisfy the application users but

also

really achieve the goal.

For instance

, the data from the Ali group shows that Alipay is more secure than traditional banks. Still, phones are less likely to be lost compared to notes as users, especially the young, are always holding their phones not wallets. To

this

point, I can say that security will not be an issue for paying

apps

. To sum up, the paying app is competent in safety and convenience to old solutions, and its pros are evidently overcoming its drawbacks. Promisingly, it can be a substitute for notes and credit cards.