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

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Technical advancement in all aspects of human life is developing rapidly. The financial area is
also
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not untouched, technology changes the way we pay for things by developing mobile phone
apps
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.
This
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essay will discuss both the advantages and disadvantages regarding the increase in the use of
apps
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in day-to-day life. On the one hand, there are a plethora of advantages for the increasing trend of paying for things using mobile phone
apps
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. The most important one is, the exact
amount
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that could be paid and no dependency on returning the change for a certain
amount
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bill.
Such
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as, Oxford university research said that every year grocery store makes 10% of the revenue by either providing chocolate in exchange for an odd
amount
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needed to pay back after deducting the bill
amount
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or keeping the change due to lack of exact
amount
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required to pay back.
Furthermore
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, as physical currency is not carried by an individual, the threat of theft is mitigated.
For example
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, Times24 articles claim that snitching and running of valuable items crime rate has dropped significantly due to digital payment
apps
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. To buy expensive items people do digital transactions
instead
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of hard cash.
On the other hand
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, there are many disadvantages associated with
this
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process.
Firstly
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, cybercrime is very prevalent and mobile applications could be hacked easily, finding some loopholes.
For instance
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, the OTP is a very sensitive piece in the money transaction process, if it gets in the wrong hands by any means financial loss could be easily caused.
Moreover
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, a lack of regulations on private company products could cause regulatory issues. To illustrate, a technical survey stated that more than 30 million private startup gets created every year and 99% of them get closed due to various challenges caused due to unforeseen reasons.
This
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99% of companies could cause various issues or losses to common individuals who get attracted by lucrative offers provided by these applications. To conclude, after analysing
this
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development from both angles, it seems that, it has more advantages than drawbacks and could be worked on by the concerned authorities and companies to overcome these challenges.
Hence
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, digital payments using mobile phone
apps
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should be promoted and used widely to remove physical currency dependency.
Submitted by manishkj007 on

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