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?

Nowadays, in many developed
countries
, making
payment
for the purchase using mobile
apps
is being a kind of more and more popular
payment
method.
This
essay will argue that despite online
payment
attracting more scams and it is not affordable for everyone, paying using mobile
apps
create a cashless environment and is convenient for both seller and buyer.
First
of all, there are several online
payment
methods available these days by using mobile
apps
such
as G pay, Apply pay, Grab pay...etc. A common problem and main disadvantage of
this
type of
payment
is the scam. Online scam is a high crime rate in most of the
countries
that use those types of
payment
because making purchase and
payment
are too easy and it can happen within a
second
.
For instance
, the highest crime rate in Singapore in 2020 is online scams.
Secondly
, in order to use mobile
apps
for
payment
,
people
need these basic things smartphone, the internet, bank account.
Although
these are common items and everyone owned in developed
countries
, most
people
cannot afford them in poorer
countries
.
By contrast
, mobile
payments
encourage cashless environments. It improves a lot to our daily life. A past decade ago before smartphones were invented,
people
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
, 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
create easier our daily trades. It is just a click away from our hands.
For example
, in China, most
people
, nowadays, carry less cash. All
payments
are mostly paid by a mobile app called Alipay. In conclusion,
however
, mobile
apps
payments
are useful and easy for us, there are disadvantages
as
Change preposition
apply
show examples
a
drawback
Fix the agreement mistake
drawbacks
show examples
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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