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

In the modern world, it is undeniable that paying for goods and services through mobile phone applications has become increasingly common in many countries.

While

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some people believe that

this

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development may create certain risks, others argue that it offers significant convenience and efficiency. In

this

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essay, an attempt will be made to examine both the advantages and disadvantages of mobile payment

systems

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. On the one hand, there are many benefits associated with paying through mobile phone apps. One of the most apparent positive aspects is the convenience and speed these

systems

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provide. To illustrate, users can complete transactions instantly without carrying cash or cards, which simplifies everyday purchases.

For instance

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, commuters can pay for transport, food, or online services within seconds, reducing waiting times and improving

overall

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efficiency.

In addition

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, digital payments often provide transaction records, which help individuals manage their finances more effectively.

On the other hand

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, there are

also

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some drawbacks related to

this

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development that should not be overlooked. One negative aspect is the risk of security issues and digital exclusion. To clarify, cybercrime, data theft, or technical failures may expose users to financial loss or privacy breaches.

For example

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, older people or individuals without access to smartphones or stable internet connections may struggle to use these

systems

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, which could widen social inequality and limit access to essential services. To recapitulate, it is evident that the main merit of mobile payment

systems

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is their convenience and efficiency,

while

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the principal downside is the risk of security problems and unequal access. Having considered both sides thoroughly, I have personally come to believe that the advantages outweigh the disadvantages, as technological improvements and better security measures can reduce risks

while

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preserving the benefits of digital payments.

warawutwangphrom

Feb 19, 2026

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structure

Plan is clear: a short intro, two body parts, and a conclusion. Keep this plan every time.

task focus

Give your view only in one place, and restate it in the end. Make the main point clear in the first paragraph.

coherence

Use one idea per paragraph. Make each paragraph brief and linked by the same idea.

content

Add more exact examples or data to back ideas. For example, say how much time or money is saved, if you can.

grammar

Watch long sentences. Use shorter, clear sentences to help the reader.

content

Clear overall view with balance of good and bad sides.

coherence

Nice signposts and some good examples to show ideas.

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8
Linking words
meeting the goal of 7 or more
1
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

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Overall Band Score

Coherence and Cohesion: 6.0

Logical structure

Introduction & conclusion present

Supported main points

Accurate linking words

Variety in linking words

Lexical resource: 8.0

Varied vocabulary

Accurate spelling & word formation

Grammatical Range: 9.0

Mix of complex & simple sentences

Clear and correct grammar

Task Achievement: 6.0

Complete response

Clear & comprehensive ideas

Relevant & specific examples

Appropriate word count

4 paragraphs

288 words

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Topic Vocabulary:

convenience
speed
eliminate
biometric verification
encryption
cashless society
environmentally friendly
impulsive buying
overspending
dependency
battery drain
technical issues
digital divide
access
smart technology

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

When we meet someone for the first time, we generally decide very quickly what kind of person we think they are and if we like them or not. Is this a good thing or a bad thing?

Most employers nowadays put increasing emphasis on social skills. Some people believe that social skills are important in adddition to good qualification for job success. To what extent do you agree or disagree?

Robots and artificial intelligence are being developed to replace humans in the workplace. Why is this happening? Do you think this will have a positive or negative impact on society?

There is an increasing trend around the world of married couples deciding not to have children. Discuss the advantages and disadvantages for couples who decide to do this.