In many countries, paying for things using mobile phone (cellphone) apps is becoming increasingly common. Does this development have more advantages or more disadvantages? Give reasons for your answer and includes relevant examples from your own knowledge or experience.

The advancement of mobile technology has significantly transformed modern life, particularly through the widespread use of mobile
applications
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to pay for goods and services worldwide. I firmly believe that
this
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development has brought far more positive effects than negative ones to the global economy. The reasons for
this
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will be discussed in detail below. One of the main benefits of mobile
apps
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is convenience.
Applications
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such
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as SHEIN, PLT, and Uber allow people to access goods and services anytime and anywhere.
For instance
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, an individual can purchase an item through the Adidas app without physically visiting a store, making the process faster and more efficient for consumers.
This
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convenience has
revolutionized
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revolutionised
show examples
the way people shop and access services globally. Another significant advantage is the safety and security
mobile
Correct pronoun usage
that mobile
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apps
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offer. Platforms
such
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as Life360 and Google Maps help users stay safe by providing real-time information and location tracking.
For example
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, when travelling to an unfamiliar location, I rely on Google Maps to guide me through safe routes, which gives me peace of mind.
Similarly
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, I use a safety tracking app to monitor my children’s whereabouts when they go to school, ensuring an added layer of protection for them.
Furthermore
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, mobile
apps
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have promoted cashless transactions, reducing the risks associated with carrying physical cash. Digital wallets
such
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as Google Wallet and Apple Wallet allow people to handle large sums of money electronically,
minimizing
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minimising
show examples
the chances of theft or loss.
For example
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, countries like the United Kingdom and Australia, which actively encourage cashless payments, have reported a significant decline in theft cases since adopting
this
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system. These examples highlight the positive economic and social impact of mobile
applications
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.
However
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, despite these advantages, there are some risks that should not be overlooked. One major concern is overdependence on technology, which can lead to reduced creativity and productivity.
For instance
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, students may rely excessively on mobile
apps
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to solve assignments rather than using critical thinking, thereby weakening their problem-solving skills. To address
this
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, governments and schools should
organize
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organise
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workshops and seminars to promote independence, innovation, and creative thinking. Another potential drawback is financial vulnerability. Because users’ financial details are often stored on their phones or online, there is a risk of data breaches or theft. If a phone is hacked or stolen, the offender could gain access to sensitive banking information, leading to serious financial loss. To mitigate
this
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risk, both users and app developers must ensure strong security measures—
such
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as passwords, biometric verification, and encryption—are in place. In conclusion,
although
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mobile
applications
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pose certain risks,
such
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as technological dependence and vulnerability, their benefits—convenience, enhanced security, and the promotion of a cashless economy—far outweigh these challenges. With appropriate safeguards and awareness programs, the positive influence of mobile
apps
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will continue to support the growth and development of modern economies.

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improvement
Make your main idea clear in every paragraph and link it to the prompt more directly.
improvement
Add a stronger note on the bad side of mobile pay, like privacy, fraud, and inequality.
improvement
Improve flow by using topic sentences at the start of each paragraph and use clear linking words.
improvement
Keep examples simple and tied to the idea of paying with apps, not too general.
strength
Clear view that advantages outweigh disadvantages.
strength
Good use of real‑world apps and a cashless payment example.
strength
Concrete points on safety and security features.

Word Count

IELTS says that you should write a minimum of 250 words in writing task 2. If you go under word count you will lose marks in task response.

A very long essay will not give you a higher band score.

Aim for between 260 to 290 words in writing task 2. This will ensure a concise essay and will be realistic in terms of time management. You have only 40 minutes to write the essay and you need around 10 minutes of planning time, so you will not be able to write a long essay in 30 minutes.

Topic Vocabulary:
  • convenience
  • safety
  • security
  • time-saving
  • cashless transactions
  • dependence on technology
  • privacy concerns
  • accessibility issues
  • financial vulnerability
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