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

We should be thankful to the technology advancements as it is making our lives easier. In most of the countries, paying for products through / via mobile apps is rapidly increasing. Although there are a few disadvantages associated with this development, the advantages outweigh them. The payment processing system has seen a rapid change with the development of smartphones. Adding to this, the smartphone applications are changing our lives and making them easier by virtually bringing all the facilities into our mobile phone. For instance, to check the bank balance, earlier we need to visit the bank physically but with the development of technology, we can check our balance from our banking application installed on the phone. In the similar way the debit and credit cards have been replaced by the banking application and the payment technologies like NFC included in the smart phone. All the major smart phone manufacturers like Samsung and Apple use the NFC technology to process payments. This technology helps the users to make the payments even if they do not carry the debit or credit card physically. Moreover, there are many payment gateway companies which provide cashback offers for the payment made through their application. So, there are many benefits to using the mobile application for making payments. On the flip side, making payments via mobile apps poses a few risks. As we share our banking information to a third-party mobile application, there is always a risk of falling prey to cybercrimes. Hackers can gain access to our account information if the data is not protected. At times, if any transaction fails or is delayed, we are confused as to whether we should contact the application service centre or bank to resolve the issue If the issue remains between them for a longer period of time, we need to wait till it is resolved. In real time scenarios this problem is rarely seen. To conclude, although there is a small risk of getting our data stolen or misused when we use third party mobile apps to make payments, the advantages such as cashback offers and ease of payment outweigh the disadvantages.
We should be thankful to the
You use this word too often, consider replacing it with
technology
advancements as it is making our
This phrase/word (depending on the context) can be potentially replaced with :
lives
easier. In most of the countries, paying for products through / via mobile apps is
rapidly
increasing. Although there are a few disadvantages associated with this development, the advantages outweigh them.

The
You use this word too often, consider replacing it with
payment
processing system has
This phrase/word (depending on the context) can be potentially replaced with :
seen
a rapid
This phrase/word (depending on the context) can be potentially replaced with :
change
with the development of smartphones. Adding to this, the smartphone
You use this word too often, consider replacing it with
applications
are changing our
This phrase/word (depending on the context) can be potentially replaced with :
lives
and making them easier by
virtually
bringing all the facilities into our mobile
You use this word too often, consider replacing it with
phone
.
For instance
, to
This phrase/word (depending on the context) can be potentially replaced with :
check
the bank balance, earlier we need to visit the bank
physically
This phrase/word is too simple and can be replaced with:
but
with the development of
You use this word too often, consider replacing it with
technology
, we can
This phrase/word (depending on the context) can be potentially replaced with :
check
our balance from our banking
You use this word too often, consider replacing it with
application
installed on the
You use this word too often, consider replacing it with
phone
. In the similar way the debit and credit cards have
been replaced
by the banking
You use this word too often, consider replacing it with
application
and the
You use this word too often, consider replacing it with
payment
You use this word too often, consider replacing it with
technologies
like NFC included in the smart
You use this word too often, consider replacing it with
phone
. All the major smart
You use this word too often, consider replacing it with
phone
manufacturers like Samsung and Apple
This phrase/word (depending on the context) can be potentially replaced with :
use
the NFC
You use this word too often, consider replacing it with
technology
to process
You use this word too often, consider replacing it with
payments
. This
You use this word too often, consider replacing it with
technology
This phrase/word (depending on the context) can be potentially replaced with :
helps
the users to
This phrase/word (depending on the context) can be potentially replaced with :
make
the
You use this word too often, consider replacing it with
payments
even if they do not carry the debit or credit card
physically
.
Moreover
, there are
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
payment
gateway
This phrase/word (depending on the context) can be potentially replaced with :
companies
which provide cashback offers for the
You use this word too often, consider replacing it with
payment
made through their
You use this word too often, consider replacing it with
application
.
This phrase/word is too simple and can be replaced with:
So
, there are
This phrase/word is too simple and can be replaced with:
many
benefits to using the mobile
You use this word too often, consider replacing it with
application
for making payments.

On the flip side, making
You use this word too often, consider replacing it with
payments
via mobile apps poses a few
This phrase/word (depending on the context) can be potentially replaced with :
risks
. As we share our banking information to a third-party mobile
You use this word too often, consider replacing it with
application
, there is always a
This phrase/word (depending on the context) can be potentially replaced with :
risk
of falling prey to
Possible spelling mistake found.
cybercrimes
. Hackers can gain access to our account information if the data is not protected. At times, if any transaction fails or
is delayed
, we
are confused
Consider shortening this phrase to just “whether”, or rephrase the sentence to avoid “as to”.
as to whether
we should contact the
You use this word too often, consider replacing it with
application
service
Possible spelling mistake. ‘centre’ is British English.
centre
or bank to resolve the issue If the issue remains between them for a longer period of time, we need to wait till it
is resolved
. In real time scenarios this problem is rarely
This phrase/word (depending on the context) can be potentially replaced with :
seen
.

To conclude
, although there is a
This phrase/word is too simple and can be replaced with:
small
This phrase/word (depending on the context) can be potentially replaced with :
risk
of getting our data stolen or misused when we
This phrase/word (depending on the context) can be potentially replaced with :
use
third party mobile apps to
This phrase/word (depending on the context) can be potentially replaced with :
make
You use this word too often, consider replacing it with
payments
, the advantages such as cashback offers and
This phrase/word (depending on the context) can be potentially replaced with :
ease
of
You use this word too often, consider replacing it with
payment
outweigh the disadvantages.
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IELTS essay In many countries, paying for things using mobile phone apps is becoming increasingly common. Does this development have more advantages or disadvantages?

Essay
  American English
4 paragraphs
356 words
6.0
Overall Band Score
Coherence and Cohesion: 5.5
  • Structure your answers in logical paragraphs
  • ?
    One main idea per paragraph
  • Include an introduction and conclusion
  • Support main points with an explanation and then an example
  • Use cohesive linking words accurately and appropriately
  • Vary your linking phrases using synonyms
Lexical Resource: 5.0
  • Try to vary your vocabulary using accurate synonyms
  • Use less common question specific words that accurately convey meaning
  • Check your work for spelling and word formation mistakes
Grammatical Range: 6.5
  • Use a variety of complex and simple sentences
  • Check your writing for errors
Task Achievement: 6.0
  • Answer all parts of the question
  • ?
    Present relevant ideas
  • Fully explain these ideas
  • Support ideas with relevant, specific examples
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