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

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Nowadays, in many developed
countries
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, making
payment
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for the purchase using mobile
apps
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is being a kind of more and more popular
payment
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method.
This
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essay will argue that despite online
payment
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attracting more scams and it is not affordable for everyone, paying using mobile
apps
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create a cashless environment and is convenient for both seller and buyer.
First
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of all, there are several online
payment
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methods available these days by using mobile
apps
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such
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as G pay, Apply pay, Grab pay...etc. A common problem and main disadvantage of
this
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type of
payment
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is the scam. Online scam is a high crime rate in most of the
countries
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that use those types of
payment
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because making purchase and
payment
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are too easy and it can happen within a
second
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.
For instance
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, the highest crime rate in Singapore in 2020 is online scams.
Secondly
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, in order to use mobile
apps
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for
payment
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,
people
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need these basic things smartphone, the internet, bank account.
Although
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these are common items and everyone owned in developed
countries
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, most
people
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cannot afford them in poorer
countries
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.
By contrast
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, mobile
payments
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encourage cashless environments. It improves a lot to our daily life. A past decade ago before smartphones were invented,
people
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usually carried a lot of cash along with them wherever they go. Sometimes, we faced a shortage of small changes upon our purchase.
For example
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, in Myanmar, sellers usually give sweets as a returned change when they don't have small coins. Another point of advantage is convenience. Mobile banking and
payments
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create easier our daily trades. It is just a click away from our hands.
For example
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, in China, most
people
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, nowadays, carry less cash. All
payments
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are mostly paid by a mobile app called Alipay. In conclusion,
however
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, mobile
apps
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payments
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are useful and easy for us, there are disadvantages
as
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apply
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a
drawback
Fix the agreement mistake
drawbacks
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created by some criminals.
Submitted by yannaunghlaing on

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Topic Vocabulary:
  • convenience
  • speed
  • eliminate
  • biometric verification
  • encryption
  • cashless society
  • environmentally friendly
  • impulsive buying
  • overspending
  • dependency
  • battery drain
  • technical issues
  • digital divide
  • access
  • smart technology
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