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

There is no doubt that Technology has increasingly improved by loops and bounds, having to pay bills or make a buy using mobile applications in the comfort of our homes, offices have made life easy peasy

however

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, it is tiring when people have little or no knowledge about the use of internet or mobile paying utilization.

To begin

with, mobile banking has made life easy because it is done in the comfort of our homes or wherever we might be at that time. To illustrate, I bought a television from a well known online store Jumia

last

week, all I provided was my Automated Teller Machine card numbers and immediately the amount of money for the item was deducted from my account.

This

transaction took place while in my bed, that easy and simple.

Furthermore

, the cashless trend comes into play, by going to purchase products only by swiping cards,

this

is usually done at the Point of Sale stand. There is no need to carry cash around simply because you want to purchase goods.

On the contrary

, there are some shortcomings associated with mobile transactions, some of which are living in areas where the internet is very unstable, people not knowing how to use the mobile applications, doing a transaction that will not reflect due to some unforeseen circumstances. These are some of the limitations encountered, so a number of persons still believe going around with cash to purchase goods is still of great value rather than embracing the competence of technology.

Also

, another drawback is fraudsters impersonating some companies or organizations to scam you off your money.

For example

, my colleague at work bought a standing fan from an online store, the app requested bank details, paid for the item; it was supposed to be delivered to her within 3 days, but after 2weeks she got to find out that the company's internet security was hacked, means someone else took the money and not the company. Great consideration should be put in place when indulging in the online banking system. By and large, buying things using mobile applications will always be on the increase because people find it comforting and secure. But considering the drawbacks associated with it will be wise to not totally ignore it .