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 true that using mobile phone applications for financial transactions has gained immense popularity in recent years.
Although
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this
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trend brings both benefits and challenges, I believe the positive aspects far outweigh the negative ones
due to
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their convenience, security, and accessibility. Admittedly, relying on mobile platforms for financial exchanges poses certain risks. One issue is that these systems are vulnerable to cybersecurity threats. Hackers may exploit weak security measures, potentially leading to monetary losses or identity theft for users.
For instance
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, numerous cases of fraudulent activities and unauthorized access to digital wallets have been reported globally, emphasizing the need for robust protections. Another concern is that over-dependence on
such
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technology can exclude individuals who are not tech-savvy or lack access to modern smartphones.
For example
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, elderly people or those in rural areas with limited internet connectivity may find it difficult to adjust to
this
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technological shift, leaving them in a less favourable position.
Nevertheless
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, despite the challenges mentioned above, using mobile financial tools offers significant benefits that often outweigh the disadvantages.
Firstly
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, these services eliminate the need to carry physical currency, reducing the risk of theft for both consumers and merchants. With electronic transactions, there is no concern about losing cash or having it stolen, and sellers are not burdened with managing or safeguarding money.
Additionally
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, there is no need to carry multiple credit or debit cards, as a single smartphone can serve as an all-in-one payment solution.
Secondly
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, mobile payment systems offer a streamlined, unified experience, making activities like shopping, settling bills, and transferring funds quick and secure.
Lastly
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, these applications allow users to easily monitor their financial habits and manage their budgets, providing both buyers and vendors with the ability to track their fiscal activities in
real time
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real-time
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. In conclusion, against the drawbacks associated with mobile payments, I believe their practical benefits make them an indispensable tool for efficient and secure financial management. Their convenience and ability to simplify monetary exchanges make them increasingly valuable in today’s digital era.
Submitted by skharratian on

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introduction conclusion present
Your essay's introduction and conclusion are strong and clearly present your stance on the topic. Well done on providing a full circle with your argument.
relevant specific examples
Consider enhancing your examples with more variety, possibly touching upon different countries or demographics, to strengthen your argument further.
complete response
The essay provides a complete response to the prompt, considering both advantages and disadvantages.
clear comprehensive ideas
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logical structure
You've organized the essay well, with logical progression from one point to the next.

Answer the 'Advantages and Disadvantages' topic

IELTS advantages and disadvantages questions normally give you a statement and ask you to comment on the advantages and disadvantages of that statement.

Answer structure for the type of essay

  • Introduction
  • Body paragraph 1 – advantages
  • Body paragraph 2 – disadvantages
  • Conclusion

Examples to start your body paragraph:

  • The main advantage is...
  • The disadvantage of this...
  • The main benefit...
  • Despite these advantages...
  • One possible drawback...

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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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