Today, many people use the internet and smartphones to transfer money to friends, family, and businesses. Is this a positive or negative development?

In recent years, digital payment systems have revolutionised the way individuals and businesses conduct financial

transactions

Use synonyms

. The widespread use of the internet and smartphones to transfer

money

Use synonyms

has become increasingly common across the globe. In my view,

this

Linking Words

trend represents a highly positive development, despite certain risks related to security and technical reliability. One of the most significant advantages of online

money

Use synonyms

transfers is convenience. Unlike traditional banking methods, digital

transactions

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can be completed instantly, regardless of geographical location. Individuals no longer need to visit physical bank branches or handle cash, which saves considerable time and effort.

This

Linking Words

is particularly beneficial for people living abroad who need to send financial support to their families, as funds can be transferred within seconds.

Furthermore

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, businesses greatly benefit from digital payments, as they allow for efficient management of large-scale

transactions

Use synonyms

without the logistical challenges of handling physical currency. Another major benefit is enhanced financial accessibility. Mobile banking applications have made financial services available to a broader population, including those in remote areas where traditional banking infrastructure may be limited.

In addition

Linking Words

, digital records of

transactions

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improve transparency and reduce the risk of theft associated with carrying cash. During emergencies, the ability to receive or send

money

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instantly can

also

Linking Words

provide critical support. Admittedly, online

money

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transfers are not without drawbacks. Cybercrime, fraud, and technical malfunctions pose genuine concerns. System outages or unstable internet connections may delay important payments, potentially disrupting businesses.

However

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, advancements in encryption technology and increasingly strict regulatory frameworks are continually improving the security and reliability of digital payment systems. As technology evolves, these risks are likely to diminish

further

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. In conclusion,

although

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online financial

transactions

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involve certain security and technical challenges, the

overall

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benefits — including convenience, efficiency, and wider accessibility — clearly outweigh the disadvantages.

Therefore

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, I strongly believe that the growing use of the internet and smartphones for

money

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transfers is a positive and transformative development

lalanialimohd

Feb 22, 2026

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content

Add more specific examples or real data to back each idea.

structure

Start each paragraph with a clear topic sentence that states the main idea.

coherence

Use simple linking words to show how ideas fit together (and, but, in addition).

conclusion

End with a strong closing line that restates your view.

task

Clear view is stated in the introduction.

structure

Good balance of pros and cons.

content

Real life examples like sending money abroad and during emergencies.

conclusion

Conclusion restates the view clearly.

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9
Linking words
meeting the goal of 7 or more
2
Word repetition
meeting the goal of 3 or fewer
0
Grammar mistakes
detected issues

0123456789.0505

Overall Band Score

Coherence and Cohesion: 7.0

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

5 paragraphs

318 words

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Today, many people use the internet and smartphones to transfer money to friends, family, and businesses. Is this a positive or negative development?

Technology is becoming progressively universal. In the fullness of time, classroom teachers will be totally substituted for technology. Do you agree or disagree?

Some people believe that studying online is more effective than studying on campus while others disagree. discuss the advantages and disadvantages of online learning.

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In some countries, an increasing number of people are suffering from health problems as a result of eating too much fast food. It is, therefore, necessary for governments to impose a higher tax on this kind of food. Do you agree or disagree?