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

Technical advancement in all aspects of human life is developing rapidly. The financial area is

also

not untouched, technology changes the way we pay for things by developing mobile phone

apps

This

essay will discuss both the advantages and disadvantages regarding the increase in the use of

apps

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

. The most important one is, the exact

amount

that could be paid and no dependency on returning the change for a certain

amount

bill.

Such

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

needed to pay back after deducting the bill

amount

or keeping the change due to lack of exact

amount

required to pay back.

Furthermore

, as physical currency is not carried by an individual, the threat of theft is mitigated.

For example

, Times24 articles claim that snitching and running of valuable items crime rate has dropped significantly due to digital payment

apps

. To buy expensive items people do digital transactions

instead

of hard cash.

On the other hand

, there are many disadvantages associated with

this

process.

Firstly

, cybercrime is very prevalent and mobile applications could be hacked easily, finding some loopholes.

For instance

, 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

, 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

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

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

, digital payments using mobile phone

apps

should be promoted and used widely to remove physical currency dependency.

Submitted by manishkj007 on Tue Feb 01 2022

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meeting the goal of 7 or more
2Word repetition
meeting the goal of 3 or fewer
0Grammar mistakes
 

4 paragraphs

372 words

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Accurate linking words

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Lexical resource: 8.0

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Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 5.0

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

Your opinion

Nowadays many students have the opportunity to study for part or all of their courses in foreign countries. While studying abroad brings many benefits to individual students, it also has a number of disadvantages. Do you agree or disagree?

In some countries, students pay their college or university fees, while in some others, the government pays for them. Do the advantages of governments paying for fees outweigh the disadvantages?

Television is dangerous because it destroys family life and any sense of community; instead of visiting people or talking with our family, we just watch television. To what extent for you agree or disagree with this opinion?

in many countries, people live longer and longer. Does this development have more advantages or disadvantages?

Schools should only offer subjects that are beneficial to students’ future career success. Other subjects, such as music and sports, are not important. To what extent do you agree or disagree?