many countries, paying for things using mobile phone app is becoming increasingly common. Does these development have more advantages or disadvantages?

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Nowadays, technology plays
an
Change the article
a
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predominant role in everyone's life.
Therefore
, various mobile applications are being used for different purposes and one of them is online banking which is very common in
this
modern world.
While
there are some drawbacks
but
Correct word choice
apply
show examples
it has numerous pros which are very helpful for individuals and
this
essay will discuss both
advantages
Correct article usage
the advantages
show examples
and disadvantages of
this
notion.  On the one hand, there has been always
risk
Add an article
the risk
a risk
show examples
of hacking
the
Correct article usage
apply
show examples
online banking
app
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apps
show examples
as
the
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apply
show examples
cybercrime rates are rapidly increasing.
For instance
, offenders usually ask for authorization PIN from the users by using
the
Correct article usage
apply
show examples
similar sites as the official sites by which they hack or freeze the account and steal money from people's
account
Fix the agreement mistake
accounts
show examples
.
Moreover
, you need
an
Remove the article
apply
show examples
internet access to use some
of
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apply
show examples
digital applications and several other problems
such
as low battery by which you are unable to pay for things.
On the other hand
, despite these
cons
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cons,
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there are enormous examples of benefits of e-payments which cannot be denied.
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The first
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First
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The first
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and foremost advantage is people do not
to
Add a missing verb
have to
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carry
physical
Add an article
a physical
the physical
show examples
Fix the agreement mistake
cards
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card
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cards
show examples
or cash with
Correct pronoun usage
them
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themselves
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them
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and
not
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are not
show examples
affraid
Correct your spelling
afraid
to forget money or
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their wallet
show examples
Correct pronoun usage
their wallet
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wallet
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wallets
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.
Also
, individuals
on
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at
show examples
work or at home can order
prior
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apply
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by paying beforehand and no need to wait in queue for
long
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a long
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time and saves
thier
Correct your spelling
their
valuable time.
Furthermore
, many grocery stores and restaurants encourage
public
Add an article
the public
show examples
to pay digitally and offer
discount
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discounts
show examples
on various goods.
To conclude
, online payments have few drawbacks but have so many advantages
such
as
time saving
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time-saving
show examples
, more
convenient
Replace the word
convenience
show examples
and essential.
This
approach is very useful for people and
this
technology is used widely over the world.
Submitted by komalpreetkaur813 on

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coherence cohesion
While you have correctly outlined the essay's structure with an introduction and conclusion, ensure that the transition between ideas is smooth and logical. Use a range of cohesive devices appropriately to achieve this.
task achievement
Back up your points with more specific examples. The essay has generalized statements that could be strengthened with real-life examples or relevant statistics.

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Topic Vocabulary:
  • Contactless transactions
  • Mobile wallet
  • Biometric authentication
  • Fraud prevention
  • Digital divide
  • Cybersecurity
  • Financial inclusion
  • Spending habits
  • E-wallet
  • Encryption
  • Digital literacy
  • Payment gateway
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