IELTS 15 Test4 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? Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Nowadays, people are growing with the world of high-tech devices. Almost all aspects of life go through digital gadgets
such
as movies, games, sports, eating and even paying.
This
essay will examine the advantages and disadvantages of paying for items by cell phone apps and provide a logical conclusion, showing that in my opinion, the benefits of
this
development in the digital world exceed its downside. One evident benefit is
the
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apply
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convenience. Compare with decades ago many options related to
money
are available.
For example
, sending
money
by apps, taking credit from phones and so on.
That is
to
say
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,say
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just "one-click" you can do almost everything with your
bank
account. Another advantage is safety which contributes to
declining
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the declining
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crime rate in our society. Take Kazakhstan as an example. Since 2012 when we have taken
bank
apps for paying for things crime rate in large cities decreased considerably. Turning to the other hand,
such
development can be subjected to
cyber attacks
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cyber-attacks
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. What I mean by saying
this
is that there is a risk to lose
money
if someone breaks your gadgets.
For instance
, another day friend of mine had taken a phone call which says that it was from a
bank
and his
money
was going to be stolen by cyber terrorists
therefore
gave the code of his credit card.
As a result
, my friend was left with no
money
in his
bank
account. In conclusion, it is clear to see that paying for things by phone is convenient and contributes to people's safety.
Hence
, in my
overall
opinion, both national and global policies for digital
money
should be implemented and made mandatory to practice by citizens and the government.
Submitted by saparzhaksylyk0101 on

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