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Band 7.5

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

#countries #phone #cellphone #apps #development
The rise of financial technology enables
people
 in many countries to use mobile wallets and banking
apps
 in their daily life. I believe
this
 trend brings tangible benefits to both businesses and individuals.
First,
mobile
apps
 foster financial inclusion for everyone, especially the unbanked population in developing countries by providing a secure, cheaper and faster way of storing and transferring money.
People
 can store money, pay bills, and peer-to-peer transfers (P2P) conveniently at the tip of their fingers even if they don’t have any bank account, credit, or debit cards.
Also
, carrying around a large amount of cash can cause accidental loss and invite unwanted theft.
Finally
, individuals can save money by using mobile wallets as businesses offer discounts, promotions and instalments to attract more transactions on their platforms.
Second,
the development of mobile payment
apps
 promotes a sustainable economy by enhancing financial exchanges worldwide. Nowadays the majority of buying and selling activities take place on e-commerce platforms. Without mobile payment services, there aren’t likely online business transactions. To illustrate, most
people
 in China use WeChat pay rather than physical cash for both online and offline purchases.
Moreover
, businesses benefit from efficient and cheaper cross-border transfer services of mobile
apps
 as an alternative to traditional banking systems.
For example
, previously if we wanted to make the telegraphic transfer, we needed to go down to the nearest branch to fill up the paperwork.
In contrast
, we can just log in to our mobile
apps
 and make transfers instantly. In conclusion, the use of mobile phone
apps
 for payments brings numerous advantages to
people
 in many countries.
Submitted by myothwekhine on

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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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Topic Vocabulary:
  • convenience
  • safety
  • security
  • time-saving
  • cashless transactions
  • dependence on technology
  • privacy concerns
  • accessibility issues
  • financial vulnerability
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