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

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