In the future, people may no longer be able to pay for things in shops using cash. All payments may have to be made by card or using phones. Do you think this will happen one day? Why do you think some people might not be happy to give up using cash?

Many
people
believe that digital pay methods,
such
as
cards
or phones, will displace
cash
.
This
essay answers why I think that it is the most possible scenario and why some
people
might not be happy about it. First of all, I think that the process of money digitalization has already started. The presence of shops which accept
credit
cards
has been rapidly growing all over the world in recent years.
In addition
to that, smartphones have received the functionality to act as
credit
cards
using NFC technology and the number of terminals which recognize
this
method of payment has drastically increased.
For instance
, a lot of studies in Russia show that the rate of digital
payments
grew from 15% in 2015 to 85% in 2024.
Which
Correct pronoun usage
This
show examples
says not only about the development of technologies but
also
that it was acknowledged by the citizens.
Furthermore
, governments are strongly engaged in
this
process, because it provides better control of the financial flows.
Moreover
, tax services, which are responsible for collecting taxes from
people
and tracking those who evade it, get a powerful tool to perform their duty.
Such
involvement from the government provides significant support to the companies which spread and improve digital
payments
.
However
,
such
interest from the official services might make some
people
not happy about
this
trend. Statistics from
the
Correct article usage
apply
show examples
different countries report that
people
related
Verb problem
involved
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to
Change preposition
in
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illegal actions receive their
payments
using
cash
only because it helps them
to
Verb problem
apply
show examples
hide their activity and income.
For example
, it is hard to believe that those who sell weapons or drugs accept
credit
cards
.
Furthermore
, many
people
try to lower their income or to completely hide it for the purpose of taxes evading. The landlords,
which
Fix the agreement mistake
who
show examples
are not officially registered as those who provide accommodation, are a good illustration of that. It was proven that about 50% of
people
who rent apartments out, use different schemes to evade taxes by not accepting
credit
cards
. In conclusion, I think that in the next 10 years,
cash
payments
will be used rarely and will be completely replaced with
credit
cards
and phones.
However
, certain groups of
people
will try to use
cash
as long as possible, because it helps them to do illegal actions.
Submitted by batashevge on

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Coherence & Cohesion
Ensure the introduction clearly outlines the essay structure. Although your introduction sets the stage, it could benefit from a clearer statement of what each paragraph will address.
Coherence & Cohesion
In the conclusion, briefly recap the main arguments to reinforce your position and the reasoning used throughout the essay.
Task Achievement
To strengthen your argument, consider discussing more diverse perspectives, including those who may simply prefer cash due to habits or trust issues with digital methods.
Task Response
The essay provides a clear position on the topic, stating your belief that digital payments will eventually overtake cash fully.
Task Achievement
You effectively use specific examples, like the increased usage of digital payments in Russia, to support your claims.
Coherence & Cohesion
The essay is logically structured with a clear introduction and conclusion, while each paragraph transitions smoothly to the next demonstrating good cohesion.

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Topic Vocabulary:
  • digital payments
  • convenient
  • efficiency
  • reduce crime
  • tangibility
  • privacy
  • limited access to technology
  • job losses
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