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

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Utilizing cellphone applications for the purpose of going through a financial transaction or making a purchase is increasingly gaining momentum worldwide.
This
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recent trend presents both opportunities and challenges. From my perspective, the risks imposed by
this
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trend make its positive contributions fade in comparison. In terms of advantages, the two primary added-value of mobile-based software are convenience and swiftness. In the previous decades, if an individual wished to make a purchase, or any other type of monetary exchange, they had to ensure that they had enough physical money (Cash) at their disposal at the time of the exchange;
whereas
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, nowadays, people can see any financial transaction, let alone online
purchases
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, through with either debit cards or credit cards, which eliminate the hassle of traditional means of transferring money;
hence
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, a more convenient process.
In addition
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, these apps require substantially less in order to transfer the funds to the receiver;
therefore
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, these pros make for a quick and easy process that greatly appeals to the end-users
On the other hand
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, purchasing via mobile apps is critiqued for two issues, which are generally associated with electronic transactions.
Firstly
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, people who opt to make frequent transactions and
purchases
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through these applications, are at comparatively higher risks of fraud and theft, as their banking and personal information is stored in the e-commerce platforms’ databases, which are prone to frequent attacks by hackers.
Furthermore
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, there are many, myself included, who believe the ease of online shopping makes them vulnerable to over-shopping; as the wide range of options online may entice many to make frivolous
purchases
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, and suffer financial consequences. In the final analysis,
although
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the user-friendly nature and accessibility of mobile apps may make a case for a pleasant shopping experience, they may
also
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result in not only unnecessary
purchases
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but
also
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increased vulnerability to digital theft.
Therefore
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, it is
for
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this
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reason that I believe that their cons far outweigh their pros.
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    • Sentence 3 - Thesis
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    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
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    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
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  • Paragraph 4 - Conclusion
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    • Sentence 3 - Prediction or recommendation

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