In many countries, paying for things using mobile phone (cellphone) apps is becoming increasingly common. Does this development have more advantages or disadvantages? Give reasons for your answer and include any relevant examples from your own knowledge or experience. Write at least 250 words

Since the first "smartphone" was introduced by Steve Jobs in 2007, it has changed the way we live today. Nowadays, people rely on their smartphones to do the jobs of numerous devices, not merely for calling and texting. One of them is to serve as a form of

payment

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.

While

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there are flaws in the process, the benefits of making a purchase through a "tap" or a "QR scan" have far outweighed them. Both sides will be discussed in the essay.

Firstly

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, one of the main reasons that some people may still prefer bringing their own cards or even withdrawing the money is

due to

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the complexity of setting up and loading the

card

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or the

payment

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information to the apps.

This

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idea is popular among the previous generations, including my father or my grandfather

for example

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. Having owned a smartphone for a decade, my father is still used to carrying a bulky wallet with money or bank cards inside, and he seems to be content with

this

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. The second reason is that not all places accept mobile

payment

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methods, especially in the form of "tapping", which is to hold the

phone

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or the

card

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against the machine to make a purchase

such

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as in small counters, or old shops.

Thirdly

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, putting in the

payment

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information on the smartphone can pose a risk of a

data

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breach. Equifax

data

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breach from years ago is a prime example of how not to trust any apps entirely when typing your

data

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online, especially with your credit

card

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information.

However

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, the flaws do not stop the progress of shifting to

this

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relatively new, compared to using

card

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,

payment

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method. The biggest factor is convenience. When going out, your physical wallet will not be needed since all of the cards are stored in your

phone

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.

As a result

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, your pants pocket will be less bulky with your personal belongings. Carrying your

phone

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instead

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of bringing your

card

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outside is much more secure in the sense that your

phone

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will only bring up the

card

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to "tap" on demands.

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mitigates any RFID hack attempts from the bad actors. And even though I have mentioned that it is a risk to put your

payment

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data

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in your

phone

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, you will still have control over your

data

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. Some

phone

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manufacturers, like Samsung, go as far as allowing users to find their

phone

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or delete all the

phone

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data

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remotely if their cell phones are lost or stolen.

To conclude

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, the shift to buying goods using mobile phones has more benefits than drawbacks with convenience and control over your

data

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being the two biggest factors. Eventually, even small businesses will adopt

this

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new form of

payment

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to generate their revenue.