In Many Countries, Paying For Things Using Mobile Phones Is Becoming Increasingly Common | Band 8 IELTS Essay Sample

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

Here is a band 8 IELTS essay on this topic written by one of our students. Need help with IELTS writing? Get your IELTS essays, letters and reports corrected by me. Find essay organisation tips and writing lessons on our Youtube Channel.

Band 8 IELTS essay sample

In this contemporary era, mobile payments have been growing rapidly. Paying for goods and services via mobile phones is becoming popular not only in developed countries but also in many developing countries across the globe. Since everything has two sides, this essay will discuss the pros and cons of this type of payment.

Talking about the positives first, the most obvious one is the convenience it offers to people. In other words, one does not need to carry cash or exact change to buy a product and can pay using a single tap. Secondly, payments through a digital platform are recorded digitally. Therefore, one does not have to keep track of the transaction, which makes expense management a breeze. For example, Paytm, an online payment platform, allows people to send and receive money as well as pay for goods and services. Thus, people tend to use these platforms more rather than relying on traditional methods. 

Having said that, there are several drawbacks to using these digital platforms. Firstly, such apps are frequently prone to cyber-attacks. That is to say, payment banks do not have the level of security features which a regular bank boasts of. As a result, many people using these apps fall prey to hackers. Financial information saved on the mobile phone can also get exposed and misused if the device is stolen.

To conclude, making payments via mobile apps certainly poses some security concerns; even so, in my opinion, the advantages offered by these platforms outweigh the disadvantages because they allow instant transfer of money from anywhere and at any time. The security concerns can be mitigated to a great extent by taking adequate precautions.

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Manjusha Nambiar

Hi, I'm Manjusha. This is my blog where I give IELTS preparation tips.

4 Responses

  1. dilshoda says:

    The bar chart below shows the percentage of Australian men and women in different age groups who didregular physical activity in 2010.

    The bar chart illustrates the information about how many Australian female and male in six different age categories who were physically active on a regular basis in the year of 2010.
    overall, what can be seen from rhe bar chart is that women in nearly all age groups except15 to 24 did more physical activity than men did in the given year.
    In 2010, 39.5 % of the whole number of men of Australia at the age of 34-44 engaged in physical workout regularly, and the figure for the female in the same age group was considerably higher, 52.5%. The percentage of 45 to 54 aged women was approximately the same as the ones’ in 55 to 64 age group, while the male’s proportion in this category was just over 45% which was higher by 2% than the 45-54 aged men.
    Noticeably, the only age group pf men which was committed to more physical activities than women was the youngest category (15 to 24) that accounted for 52.8% and 47.7% of female in this group did exercises regularly. moreover, the numbers if male and female who were 65 and over were almost the same, with 46.7% and 47.1% respectively.

  2. Waleed Talabani says:

    In modern day lifestyle it is very common to pay for items using applications that are available in mobile devices. As there are many drop backs to this method of paying in some countries, it is arguably the swiftest way of payment in most technologically developed countries. This essay will discuss the advantages of the transition from using payments by cash into using electronically programmed applications, and comparing it with its disadvantages.

    Many of us have had that time when we left embarrassed at the cashier looking for our wallet or purse, we sometimes left our items and got back home to bring money in order to make the payment. There are many other occasions where we couldn’t carry enough amount of money with us throughout the day, as we might have stumbled upon a certain situation where we needed to do a purchasing. Also, the annoying use of change, where it becomes necessary at grocery stores or even vending machines.

    On the other hand, while there is a continuous development of programming and the integrated use of smart phone in our regular daily life, having an application for making payments makes it a lot easier for us humans. As long as I’m carrying my cell phone, I don’t need to worry about where did I left my wallet at, or how much money should I bring up with me for a hang-out with the friends. It is fair to mention that using the application instead of cash, will also reduce time; as there will be no counting or inspection on whether the bill notes are genuine or not. Mobile phones and it’s applications are practically easy to handle, even when money is involved, you can link your credit card or even personal bank account with your device.

    The disadvantages to the use of smart mobile applications, however, are quite few, as the only fear is when your application is vulnerable to hackers. or when you forget your phone somewhere and not having a password lock on. This could make it easy to withdraw money from your accounts.

    The modern life and its complex developments, lead us to this day where we are able to use our mobile phones to make purchases without the use of credit cards or cash. Which we concluded that the advantages of this method is practically much easier, because it takes less time, less effort and of course little worries on how to know if the money is not counterfeit. Where the disadvantages are very few to mention, and its related to the phone as a whole not directly to application itself.

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