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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?

In many countries, paying for things using mobile phone apps is becoming increasingly common. Does this development have more advantages or disadvantages? GPne
Nowadays, due to the wide spread of technology on every aspect of our life, a plethora of countries are moving forward to relay more upon E-Payment services for most of our payment transactions. Indeed, using such technology has some advantages and drawbacks. So, this essay will shed some light upon how E-Payment services have been a life-saver during the Covid-19 pandemic, then, we will discuss the security issues which comes along using technology; could put our money in jeopardy, and I will conclude on my view point. For a fact, E-Payment has been playing a very saliant rule during the COVID-19 pandemic. While many shops where not allowing the use of cash, the usage of E-Payments like, Mastercard or iPhone quick pay function have helped to reduce and limit the physical interactions. For instance, Google pay, Amazon pay & Apple pay has come as a saver to us, as we can do all our shopping and pay with one touch on our devices. What is more, the excessive usage of the cash withdrawal machines (ATMs) have increased the risk of theft, as a result, the usage of E-Payment services have resulted in eliminating this risk. Moreover, the use of E-Payment Apps help tracking down all our expenses. In fact, multiple payment apps are now offering a monthly expenses statement. Because of this saliant function, Many of us are more able to make our spending more efficient. On the other hand, there are a security issue which comes along the usage of technology. Hence, this security risk gives a chance to many hackers to hack and steal our bank accounts. Although those apps and platforms are facilitating our life, there are a continuous risk of losing our private information by hackers. For instance, one study made by Norton Company (leading English company in cyber security) has confirmed that there are almost a 100 hacking attack which occur every 1 minute. However, multiple governments are playing a very crucial rule in order to tackle this matter. While many governments are imposing security layers for any app or E-payment method used, this helps to reduce the security risk by minimum. Hence, many security companies are developing antiviruses programs in order to prevent and detect any security issue which may arouse as a result. For instance, if we are using antiviruses like Norton, Kaspersky antiviruses, this may help to reduce cyber risks to minimum. All in all, using E-Payment methods have more advantages which includes instant online payments, reduced physical interactions and decreased risk of theft. however, because of the greedy nature of humans, there will always a cyber risk which comes a long the usage of technology. Nevertheless, with some care, focus and awareness; cyber risks can be reduced to minimum. For that, the advantages of using E-Payment are outweighing its drawbacks.
Nowadays, due to the wide spread of
You use this word too often, consider replacing it with
technology
on every aspect of our life, a plethora of countries are moving forward to relay more upon E-Payment services for most of our payment transactions.
Indeed
, using such
You use this word too often, consider replacing it with
technology
has
This phrase/word is too simple and can be replaced with:
some
advantages and drawbacks.
This phrase/word is too simple and can be replaced with:
So
, this essay will shed
This phrase/word is too simple and can be replaced with:
some
light upon how E-Payment services have been a life-saver during the Covid-19 pandemic, then, we will discuss the
You use this word too often, consider replacing it with
security
issues which
You use this word too often, consider replacing it with
comes
along using
You use this word too often, consider replacing it with
technology
; could put our money in jeopardy, and I will conclude on my view point.

For a fact, E-Payment has been playing a
This phrase/word is too simple and can be replaced with:
very
Possible spelling mistake found.
saliant
This phrase/word (depending on the context) can be potentially replaced with :
rule
during the COVID-19 pandemic. While
This phrase/word is too simple and can be replaced with:
many
shops where not allowing the
This phrase/word (depending on the context) can be potentially replaced with :
use
of cash, the
You use this word too often, consider replacing it with
usage
of E-Payments like, Mastercard or iPhone quick
You use this word too often, consider replacing it with
pay
function have
This phrase/word (depending on the context) can be potentially replaced with :
helped
to
This phrase/word (depending on the context) can be potentially replaced with :
reduce
and limit the physical interactions.
For instance
, Google
You use this word too often, consider replacing it with
pay
, Amazon
You use this word too often, consider replacing it with
pay
& Apple
You use this word too often, consider replacing it with
pay
has
You use this word too often, consider replacing it with
come
as a saver to us, as we can do all our shopping and
You use this word too often, consider replacing it with
pay
with one touch on our devices.
What is more
, the excessive
You use this word too often, consider replacing it with
usage
of the cash withdrawal machines (ATMs) have increased the
You use this word too often, consider replacing it with
risk
of theft,
as a result
, the
You use this word too often, consider replacing it with
usage
of E-Payment services have resulted in eliminating this
You use this word too often, consider replacing it with
risk
.
Moreover
, the
This phrase/word (depending on the context) can be potentially replaced with :
use
of E-Payment Apps
This phrase/word (depending on the context) can be potentially replaced with :
help
The verb 'help' is used with an infinitive: "to track" or "track".
tracking
down all our expenses. In fact, multiple payment apps are
This phrase/word (depending on the context) can be potentially replaced with :
now
offering a monthly expenses statement.
Because of this
Possible spelling mistake found.
saliant
function,
This phrase/word is too simple and can be replaced with:
Many
of us are more able to
This phrase/word (depending on the context) can be potentially replaced with :
make
our spending more efficient.

On the other hand
, there are a
You use this word too often, consider replacing it with
security
issue which
You use this word too often, consider replacing it with
comes
along the
You use this word too often, consider replacing it with
usage
of
You use this word too often, consider replacing it with
technology
.
Hence
, this
You use this word too often, consider replacing it with
security
You use this word too often, consider replacing it with
risk
gives a chance to
This phrase/word is too simple and can be replaced with:
many
hackers to hack and steal our bank accounts. Although those apps and platforms are facilitating our life, there are a continuous
You use this word too often, consider replacing it with
risk
of losing our private information by hackers.
For instance
, one study made by Norton
This phrase/word (depending on the context) can be potentially replaced with :
Company
(leading English
This phrase/word (depending on the context) can be potentially replaced with :
company
in
You use this word too often, consider replacing it with
cyber
You use this word too often, consider replacing it with
security)
has confirmed that there are almost a 100 hacking attack which occur every 1 minute.
However
, multiple
This phrase/word (depending on the context) can be potentially replaced with :
governments
are playing a
This phrase/word is too simple and can be replaced with:
very
crucial
This phrase/word (depending on the context) can be potentially replaced with :
rule
in order to tackle this matter. While
This phrase/word is too simple and can be replaced with:
many
This phrase/word (depending on the context) can be potentially replaced with :
governments
are imposing
You use this word too often, consider replacing it with
security
layers for any app or E-payment method
This phrase/word (depending on the context) can be potentially replaced with :
used
, this
This phrase/word (depending on the context) can be potentially replaced with :
helps
to
This phrase/word (depending on the context) can be potentially replaced with :
reduce
the
You use this word too often, consider replacing it with
security
You use this word too often, consider replacing it with
risk
by minimum.
Hence
,
This phrase/word is too simple and can be replaced with:
many
You use this word too often, consider replacing it with
security
This phrase/word (depending on the context) can be potentially replaced with :
companies
are developing
Possible spelling mistake found.
antiviruses
programs in order to
This phrase/word (depending on the context) can be potentially replaced with :
prevent
and detect any
You use this word too often, consider replacing it with
security
issue which may arouse
as a result
.
For instance
, if we are using
Possible spelling mistake found.
antiviruses
like Norton, Kaspersky
Possible spelling mistake found.
antiviruses
, this may
This phrase/word (depending on the context) can be potentially replaced with :
help
to
This phrase/word (depending on the context) can be potentially replaced with :
reduce
You use this word too often, consider replacing it with
cyber
You use this word too often, consider replacing it with
risks
to minimum.

All in all, using E-Payment methods have more advantages which includes instant online payments,
This phrase/word (depending on the context) can be potentially replaced with :
reduced
physical interactions and decreased
You use this word too often, consider replacing it with
risk
of theft.
This sentence does not start with an uppercase letter
however
,
This phrase/word is too simple and can be replaced with:
because
of the greedy nature of humans, there will always a
You use this word too often, consider replacing it with
cyber
You use this word too often, consider replacing it with
risk
which
You use this word too often, consider replacing it with
comes
a long the
You use this word too often, consider replacing it with
usage
of
You use this word too often, consider replacing it with
technology
.
Nevertheless
, with
This phrase/word is too simple and can be replaced with:
some
care, focus and awareness;
You use this word too often, consider replacing it with
cyber
You use this word too often, consider replacing it with
risks
can be
This phrase/word (depending on the context) can be potentially replaced with :
reduced
to minimum. For that, the advantages of using E-Payment are outweighing its drawbacks.
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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
469 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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