In recent years, online payment systems such as mobile wallets and digital banking have become increasingly popular. What are the advantages and disadvantages of making payments online?

The increasing demand for mobile

wallets

Use synonyms

and digital banking

have

Correct subject-verb agreement

has

show examples

become really common. In

this

Linking Words

essay, both the main

advantage

Fix the agreement mistake

advantages

show examples

and

disadvantage

Fix the agreement mistake

disadvantages

show examples

this

Linking Words

tendency will be discussed. One main merit of online payment is convenience.

In other words

Linking Words

, many

people

Use synonyms

who carry large amounts of money don't have to keep it in their

wallets

Use synonyms

, as they can keep it on their phones.

For instance

Linking Words

, many

individuals

Use synonyms

lose or have their money stolen as they carry it with them

, using

Punctuation problem

. Using

show examples

mobile

wallets

Use synonyms

can

also

Linking Words

make everyday payments faster and more comfortable for many

people

Use synonyms

. Should

individuals

Use synonyms

click their cash to a mobile wallet, they may easily pay or transfer.

As a result

Linking Words

people

Use synonyms

can save time and effort in their daily

life

Fix the agreement mistake

lives

show examples

, which makes online payment highly convenient for everyone. What many

people

Use synonyms

overlook is that an online wallet can easily be hacked.

That is

Linking Words

to say, having got their own card,

individuals

Use synonyms

are sometimes afraid of having their money stolen by hackers.

For example

Linking Words

people

Use synonyms

who are very gullible can effortlessly get fooled by replying to fake calls, messages, or even links

Punctuation problem

. This

show examples

this

Linking Words

concern can make some

people

Use synonyms

avoid using online

wallets

Use synonyms

altogether, even though they are convenient .

As a result

Linking Words

people

Use synonyms

can save time and effort in their daily

life

Fix the agreement mistake

lives

show examples

, which makes online payment highly convenient for everyone. In conclusion, seldom do

people

Use synonyms

consider using digital banking, which can lead to security risks.It is the online wallet that provides an easier lifestyle for

individuals

Use synonyms

Although

Linking Words

many

people

Use synonyms

consider online banking unsafe, it has long-term benefits for the convenience of our lives.

Bunnijon16

Nov 25, 2025

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task

Plan your essay. Say what you will say and why. Then show both good and bad side.

structure

Make a simple plan before you write. Use clear order: intro, one paragraph on good side, one on bad side, short conclusion.

language

Use short, clear sentences. Do not let ideas run on. Use full stops and join ideas with simple words.

content

You have a clear aim to talk about both sides of the topic.

content

You give an idea of a simple benefit (ease of use) and a risk (hacking).

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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8
Linking words
meeting the goal of 7 or more
3
Word repetition
meeting the goal of 3 or fewer
7
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 4.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 5.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 5.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 4.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

262 words

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In recent years, online payment systems such as mobile wallets and digital banking have become increasingly popular. What are the advantages and disadvantages of making payments online?

A government has a responsibility to its citizens to ensure their safety. Therefore, some people think that the government should increase spending on defense but spend less on social benefits. To what extent do you agree?

It is important for people to take risks, both in their professional lives and their personal lives. Do you think the advantages of taking risks outweigh the disadvantages?

Some people think the main benefit of international cooperation is in the protection of the environment, while others think that the main benefits are in the world business. Discuss both views and give your opinion.

Some people believe that it is essential to learn a foreign language in school, while others believe that it is not necessary. Discuss both views and give your own opinion.

Some people think that children should be homeschooled when they are very young whioe others think it is better for them to attend a kindergarten. Which do you think is better? Use specific reasons and examples to support your answer.