Today, many people use the internet and smartphones to transfer money to friends, family, and businesses. Is this a positive or negative development?

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Technology is developing,
the
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and the
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number of
people
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using the internet and smartphones to
transfer
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money
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to friends, family and businesses is
also
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increasing. In my opinion, I think
this
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is a large positive. Some
people
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think that transferring
money
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online is risky. When transferring
money
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,
people
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will have to worry about the location and contact information being exposed.
This
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document will be able to be stolen by bad guys and used for illegitimate purposes. Especially the elderly and those who are not proficient in technology and are easily scammed.
For example
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, nowadays, young
people
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tend to shop online because it is fast and convenient. They often
transfer
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money
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in advance to the seller so that when the
goods
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are delivered they can save
time
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on receiving the
goods
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or if they are not at home, it will be easier to receive the
goods
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.
However
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, many bad guys take advantage of these issues to exchange
goods
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or steal information to do bad things.
On the other hand
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, online transfers are convenient for the vast majority. In the past, when families wanted to
transfer
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money
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to their children, they had to spend a lot of
time
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going to the bank and doing various paperwork to be able to
transfer
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money
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to their children. Nowadays, the use of online
money
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transfer
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services helps
people
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save a lot of
time
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going to the bank and receiving
money
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faster. Online transfers not only save
time
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,
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apply
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but
also
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allow for more flexible services. Users can
transfer
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funds to multiple parties, track their transactions, cancel them or request refunds. Especially the system will keep its own records easily. In conclusion, transferring
money
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online is a clearly beneficial technological advancement.
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Include an introduction and conclusion

A conclusion is essential for IELTS writing task 2. It is more important than most people realise. You will be penalised for missing a conclusion in your IELTS essay.

The easiest paragraph to write in an essay is the conclusion paragraph. This is because the paragraph mostly contains information that has already been presented in the essay – it is just the repetition of some information written in the introduction paragraph and supporting paragraphs.

The conclusion paragraph only has 3 sentences:

  • Summary
  • Restatement of thesis
  • Prediction or recommendation

Example:

To summarize, a robotic teacher does not have the necessary disciple to properly give instructions to students and actually works to retard the ability of a student to comprehend new lessons. Therefore, it is clear that the idea of running a classroom completely by a machine cannot be supported. After thorough analysis on this subject, it is predicted that the adverse effects of the debate over technology-driven teaching will always be greater than the positive effects, and because of this, classroom teachers will never be substituted for technology.

Start your conclusion with a linking phrase. Here are some examples:

  • In conclusion
  • To conclude
  • To summarize
  • Finally
  • In a nutshell
  • In general

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