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

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It is undeniable that mobile phone applications for financial transactions have gained significant popularity in recent years.
While
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this
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trend offers both advantages and challenges, I believe the positive aspects far outweigh the negatives, particularly in terms of convenience, security, and accessibility. Admittedly, relying on mobile platforms for monetary exchanges does present risks. One major concern is that these systems can be susceptible to cyber threats. Hackers may exploit security vulnerabilities, resulting in financial losses or identity theft. Numerous cases of unauthorized access to digital wallets underscore the need for enhanced security. Another issue is that excessive reliance on
such
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technology may marginalize individuals who are not tech-savvy or lack access to modern devices,
such
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as the elderly or residents in rural areas with limited internet access.
However
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, despite these challenges, the benefits of using mobile financial tools remain substantial.
Firstly
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, these services eliminate the need for cash, minimizing the risk of theft for both users and merchants. With mobile payments, there is no need to worry about losing physical currency, and sellers no longer face the burden of managing cash.
Moreover
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, a single smartphone can replace multiple bank cards, streamlining the payment process.
Secondly
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, these systems provide a seamless, secure experience for various financial activities, including shopping, bill payments, and money transfers.
Lastly
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, they offer convenient tools for users to track expenses and manage their budgets in
real-time
Correct your spelling
real time
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. In conclusion, despite the risks associated with mobile payments, I believe their practical benefits make them an indispensable tool for efficient and secure financial management. Their ability to simplify monetary exchanges enhances their value in today’s digital landscape.
Submitted by skharratian on

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task achievement
Try to include more specific examples to illustrate your points. For instance, you might mention how specific mobile payment apps have improved convenience or discuss a case study of a rise in cyber threats with mobile transactions.
coherence cohesion
Consider including a transition phrase or sentence between paragraphs to ensure a smooth flow from one idea to the next. This could help strengthen the logical progression of ideas.
coherence cohesion
The essay has a strong and clear structure, with an introduction and conclusion that effectively frame the discussion.
task achievement
The essay provides a balanced view by acknowledging potential disadvantages while providing strong arguments for the advantages of mobile payments.

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To get an excellent score in the IELTS Task 2 writing section, one of the easiest and most effective tips is structuring your writing in the most solid format. A great argument essay structure may be divided to four paragraphs, in which comprises of four sentences (excluding the conclusion paragraph, which comprises of three sentences).

For we to consider an essay structure a great one, it should be looking like this:

  • Paragraph 1 - Introduction
    • Sentence 1 - Background statement
    • Sentence 2 - Detailed background statement
    • Sentence 3 - Thesis
    • Sentence 4 - Outline sentence
  • Paragraph 2 - First supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 3 - Second supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 4 - Conclusion
    • Sentence 1 - Summary
    • Sentence 2 - Restatement of thesis
    • Sentence 3 - Prediction or recommendation

Our recommended essay structure above comprises of fifteen (15) sentences, which will make your essay approximately 250 to 275 words.

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Topic Vocabulary:
  • Mobile payments
  • Biometric authentication
  • Transaction costs
  • Budgeting
  • Technological barriers
  • Privacy concerns
  • Data breaches
  • Identity theft
  • Over-reliance
  • Market fragmentation
  • Competing payment apps
  • Financial inclusion
  • Security features
  • User convenience
  • Cashless transactions
  • Digital wallet
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