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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?

Nowadays, many countries especially in Asia are adapting towards digital payment technology which is nothing but paying via mobile phone. There are several advantages and few disadvantages on this emerging technology. Let’s discuss these in detail in the following paragraphs. The first major advantage is there is no need to carry cash for purchases like a decade ago. Customers can simply download the user-friendly Digital app offered by reputed banks and fintech organisations on their mobile and they can top up their electronic wallet anytime instantly using their credit card, debit card and bank account. In this way, people can spend wisely without worrying about the availability of cash in their wallet. Secondly, the shop owners will get benefited by providing faster checkout for their valued clients. The common issue in many shops is the people have to wait in a long queue for considerable amount of time in the checkout counter for the cashier to scan all the products and to do bill payment. With this new phone payment method, the self check-out options are offered in many crowded outlets where people can simply pay and go and no more queuing. For instance, I have been in Singapore for ten years and most of the employees will go to food courts for lunch which is in between 12noon to 1pm for most of the company staffs. They merely have to wait in the queue for minimum half an hour to do the payment. On the contrary, after the introduction of this mobile payment method, the waiting time is reduced into 50% during peak hours. Turning on other side, a possible disadvantage will be when the mobile is lost or stolen. Eventhough the mobiles are secured with passcodes, patterns, fingerprints and biometrics for logging in there is still a chance for the thieves to crack the password. If it happens, then all the stored bank card information will be misused by the fraudsters. To summarize the mobile payment is having a plethora of advantages. The possible cons can be avoided if we are careful in taking care of our belongings.
Nowadays,
many
countries
especially
in Asia are adapting towards digital
payment
technology which is nothing
but
paying via mobile phone. There are several advantages and few disadvantages on this emerging technology.
Let
’s discuss these in detail in the following paragraphs.

The
first
major advantage is there is no need to carry cash for
purchases
like a decade ago. Customers can
simply
download the user-friendly Digital app offered by reputed banks and fintech
organisations
on their
mobile and
they can top up their electronic wallet anytime
instantly
using their credit card, debit card and bank account. In this way,
people
can spend
wisely
without worrying about the availability of cash in their wallet.

Secondly
, the shop owners will
get
benefited by providing faster checkout for their valued clients. The common issue in
many
shops is the
people
have to
wait in a long queue for considerable amount of time in the checkout counter for the cashier to scan all the products and to do bill
payment
. With this new phone
payment
method, the self
check
-out options
are offered
in
many
crowded outlets where
people
can
simply
pay and go and no more queuing.
For instance
, I have been in Singapore for ten years and most of the employees will go to food courts for lunch which is in between 12noon to 1pm for most of the
company
staffs. They
merely
have to
wait in the queue for minimum half an hour to do the
payment
.
On the contrary
, after the introduction of this mobile
payment
method, the waiting time is
reduced
into 50% during peak hours.

Turning on other side, a possible disadvantage will be when the mobile
is lost
or stolen.
Eventhough
the mobiles
are secured
with passcodes, patterns, fingerprints and biometrics for logging in there is
still
a chance for the thieves to crack the password. If it happens, then all the stored bank card information will
be misused
by the fraudsters.

To summarize
the mobile
payment
is having a plethora of advantages. The possible cons can
be avoided
if we are careful in taking care of our belongings.
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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
5 paragraphs
350 words
6.0
Overall Band Score
Coherence and Cohesion: 6.5
  • Structure your answers in logical paragraphs
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    One main idea per paragraph
  • Include an introduction and conclusion
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  • Use cohesive linking words accurately and appropriately
  • Vary your linking phrases using synonyms
Lexical Resource: 5.5
  • 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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