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

There is no doubt, modern technologies are playing a major role in our day to day
life
. Nowadays, in other ,nations digital
payment
is widely used for
transaction
payment
. Convenient of
life
is seen as the main advantage while leaking of
details
is identified as the major disadvantage.
This
essay will discuss both merit and demerit. On the one hand, the cellphone is the most integral part of everybody’s
life
. It made everyone
life
easier and convenient. With the digital era,
people
are no longer need to bring cash for shopping or groceries. E-wallet is one of the most common used by
people
when going shopping or any other
transaction
.
For example
, Singapore has widely used the cashless scheme, all over the nation, with
this
, longer queue withdraw cash or to deposit to the
bank
is not applicable anymore.
As a result
, they used cellphone that has an application of their
bank
so they can transfer money, pay and check the status account.
On the other hand
, there is a huge risk of cyber-attacks while using your
payment
online. As,the internet is required to process the
transaction
,there are fewer layers of security and verification compared to transactions done on the point of sale terminal. Many applications indicate your personal
details
that can access by the hacker.
For instance
, BDO, a
bank
in the Philippines, recently their client complained about hacking their account and transferring money to another account which, did not give any notification that other
people
do the
transaction
.
Consequently
, around 700
people
file cases to the
bank
to investigate the leak about their
details
. In conclusion, around the world, mobile phones are used for any e-commerce
payment
is rapidly increasing.
People
can get comfort for using electronic wallets while it can give threats that
people
can access your
details
easily.
Submitted by maryaizee_14 on

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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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