Write about the following topic: In many countries, paying for things using mobile phone (cellphone) apps is becoming increasingly common. Does this development have more advantages or more disadvantages? Give reasons for your answer and includes relevant examples from your own knowledge or experience.

As it has been observed nowadays technology is everything there are many changes taking place in these few years. It has been observed, paying through the app is
one
of the major swaps in
this
era. In
this
essay, you will learn that making
payment
through mobile apps, have more advantage than disadvantage. On
one
hand, it has been said by
people
that making payments through apps is very risky as each and every
payment
is been tracked. There are many
people
, who are worried about
this
as they find that
this
can hack their phone in future. For an instance, Maharashtra cybercrime has found that the crime rate has drastically increased in the past two to three years because of online
payment
.
Furthermore
,
this
has taken place because humans who are not friendly with technology or who are not able to understand things for online transaction fraudsters target those
people
the most.
Moreover
, coming to advantage part it has made most.
People
are happy making online payments because
one
does not have to carry cash, no fear of getting cash to be stolen and the most important part just scan the bar code and make the
payment
without standing in any queue.
For example
, in the Covid-19 , the situation there was a huge topic to exchange money from
one
hand to another hand as
people
were intimidated of doing
this
.
Hence
,
people
were accepting only digital payments.
In addition
to
this
, in many ,countries digital cash is distinguished in every shop most common apps which are used are
Gpay
Correct your spelling
Grey
, Paypal, iPhone pay and Paytm. In conclusion, there is a risk of making cybercash for those individuals who are not familiar enough with technology. But digital
payment
is
one
of the easiest modes of
payment
as
one
can do it from anywhere in the world.
Submitted by vishak2511 on

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Topic Vocabulary:
  • Mobile payment apps
  • Encryption
  • Biometric authentication
  • Expense tracking
  • Budgeting tools
  • Digital divide
  • Social inequalities
  • Privacy concerns
  • Personal data
  • Cyber-attacks
  • Internet connectivity
  • Tech-savvy
  • Exploitation of data
  • Real-time updates
  • Fraud
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