in many countries paying for things using mobile phone apps is coming increasingly common. Does the development have more advantages or more disadvantages?

In recent years, paying for a service using cashless means is becoming popular. In my perception, I believe the merits preponderate the drawbacks of

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trend. On the one hand, paying using a handset is safe. Carrying cash in a wallet is not safe because of the risk of losing wealth to pickpocket thieves.

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, digital commerce

prevent

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prevents

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the loss of wealth by enabling the community to pay for services using bank transfers.

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, a Johannesburg based researcher conducted research that proved that the public carrying funds

was

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more at risk of being hijacked.

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, cashless commerce

prevent

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prevents

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citizens from losing property.

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, paying via a gadget is convenient.

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is because folk can purchase a service in the comfort of their homes anywhere around the world without having to travel.

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, it can be done at any time.

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, making life easy.

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, some often argue saying, Internet-based transactions are prone to cybercrimes. The internet is unregulated, meaning the community with ill intentions can intercept the bill transfer and divert it to their accounts.

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, these scammers can access a person's banking details and access the account.

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, in 2019, the Federal Bureau of

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investigation was investigating a Nigerian corn artist who used to duplicate transaction emails and insert his banking details in order to steal cash.

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, the population using cyberbanking is vulnerable to Internet fraud. In conclusion, both sides have merits in balance.

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, in my opinion, I believe cashless transactions shield society from being attacked by armed robbers, are convenient and reduce the cost that comes with travelling to purchase products.