In Many Countries, Paying For Things Using Mobile Apps 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 disadvantages?
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Band 8 IELTS essay sample
The advancements in technology have made our life effortless. Nowadays, the majority of the population utilize this technology for many purposes such as paying bills, banking and shopping. Though there are certain disadvantages to online payment, its merits outweigh them.
There are numerous benefits to E-payment. Firstly, people can pay bills from their comfort zones, be it home or office by a simple click of the button. This saves them a lot of time and energy. For instance, they do not have to travel to the telephone office or stand in long queue to remit their bills anymore. Instead they can use this valuable time for other meaningful purposes.
Secondly, payment through apps saves us money. Many applications offer discounts and reductions when payment is made through them. For example, I received a 5% cashback for my first electricity bill payment made through GPay. These offers are a major reason for the wide use of such applications. Thus, it is clear that E-payment saves humankind his valuable time and money.
Having said that, there are a few downsides to this payment modality. Older people may not be familiar with the latest technology and their applications. In other words, the elderly can find it rather complicated. Therefore, online payment may be unsuitable for most older people. There is also the risk of fraud. If the phone or the laptop gets stolen, the payment information saved on it could be misused.
To conclude, in this advanced world people prefer to use mobile phone applications for transactions. Even though it has some disadvantages, online payment saves mankind time, energy and money and hence its advantages outweigh the disadvantages.
Here is another essay on the same topic.
Band 8 IELTS essay sample 2
More and more customers are using mobile applications to make payments. Although some people are more concerned about the security vulnerabilities of mobile payment apps, the benefits offered by them are immense.
Cashless payment has become the de-facto standard in many countries. In this essay, I will discuss the advantages of this situation and prove why the drawbacks are negligible. In recent times, most banks have embraced the digital revolution. Cashless transactions attract more customers as they are convenient. Customers do not have to carry multiple cards in their wallet. Smartphones allow users to install applications through which payments can be made for their purchase. While shopping for groceries in a retail store, customers and merchants find it challenging to tender exact change when they do not have coins or notes of smaller denominations. Payment apps offer a solution to such issues by enabling users to make payments of the exact amount without actually exchanging any currency.
Cashless payments are also considered eco-friendly. The required invoices and payment confirmation are sent to their mobile devices directly. In case of any disputes in the transactions, customers find it easy to retrieve their invoices from digital wallets. On the other hand, physical cards can be easily stolen, and fraudulent transactions could be initiated. Furthermore, if a wallet is lost or stolen with multiple cards in them, customers find it challenging to disable or block their cards to prevent misuse.
On the other hand /on the flip side, mobile applications use technologies such as near field communication to transmit signals. When mobile users are negligent, and ignorant of the security threats associated with these gadgets, they might end up being a victim of cyber crime.
In summary, although there are trivial security issues associated with the usage of mobile apps while making payments, the benefits outnumber the drawbacks. The drawbacks are considered miniscule, and they should often be ignored. The digital transformation is considered the future and the customers should embrace this change wholeheartedly.