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?
Making payments by using mobile phone banking has become increasingly in terms of popularity.
Although
this
approach has both benefits and drawbacks, I personally believe its merits outweigh the demerits. In this
essay, I will discuss my justification in more detail.
On the one hand, one big advantage of making online transactions is its convenience. It is undeniable that this
payment
method can be done anytime and anywhere with just some simple taps on the issuers' smartphones as long as there is an Internet connection available. In other words
, it simplifies the payment
process, making purchasing things faster and saving time for both customers and businesses. Secondly
, the popularity of e-transactions can be attributed to the security
factor. Many mobile phone apps utilise advanced security
features, such
as encryption, biometrics authentication and tokenization, to protect users' financial information and prevent the risk of financial fraud. Consequently
, many users believe that compared to cards and cash, online transactions provide them with advanced security
and peace of mind.
On the other hand
, one significant disadvantage of cashless payment
is the accessibility. It is important to acknowledge that not everyone has access to smartphones or reliable Internet connectivity, particularly in rural or underserved regions. As a result
, relying solely on online payment
can exclude those who are unable to afford to use these technologies, exacerbating socioeconomic disparities
In conclusion, while
making payments by cellphone apps brings numerous benefits in terms of convenience and security
, this
development also
poses certain drawbacks related to its accessibility. The overall
efficiency of this
approach depends on how the advantages are leveraged and how the disadvantages are addressed by users, businesses, regulators and technology providers.Submitted by nguyenlyacbd on
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task achievement
Expand on your examples to improve clarity and depth. Although you've provided relevant examples to support the advantages and disadvantages of using mobile phones for payments, go a bit further in detail to illustrate these points more fully. This could involve explaining how specific security features work or discussing tangible effects of socioeconomic disparities caused by accessibility issues.
coherence cohesion
Enhance the variety of your connecting words and phrases to improve the flow of your essay. While your essay demonstrates good logical structure, using a wider range of transition phrases beyond 'On the one hand', 'Secondly', 'On the other hand', and 'In conclusion' can make the progression of ideas smoother and more engaging.
coherence cohesion
Work on developing a more cohesive argument throughout your essay. While you've nicely outlined advantages and disadvantages, weaving in how these points directly relate and impact each other could make your argument stronger. For example, discuss how the convenience and security of mobile payments can influence wider adoption despite accessibility challenges, and how that might affect socioeconomic factors.
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