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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,
This phrase/word is too simple and can be replaced with:
many
countries
especially
in Asia are adapting towards digital
You use this word too often, consider replacing it with
payment
technology which is nothing
This phrase/word is too simple and can be replaced with:
but
paying via mobile phone. There are several advantages and few disadvantages on this emerging technology.
This phrase/word (depending on the context) can be potentially replaced with :
Let
’s discuss these in detail in the following paragraphs.

The
first
major advantage is there is no need to carry cash for
This phrase/word (depending on the context) can be potentially replaced with :
purchases
like a decade ago. Customers can
simply
download the user-friendly Digital app offered by reputed banks and fintech
Possible spelling mistake. ‘organisations’ is British English.
organisations
on their
Use a comma before ‘and’ if it connects two independent clauses (unless they are closely connected and short).
mobile and
they can top up their electronic wallet anytime
instantly
using their credit card, debit card and bank account. In this way,
This phrase/word (depending on the context) can be potentially replaced with :
people
can spend
wisely
without worrying about the availability of cash in their wallet.

Secondly
, the shop owners will
This phrase/word (depending on the context) can be potentially replaced with :
get
benefited by providing faster checkout for their valued clients. The common issue in
This phrase/word is too simple and can be replaced with:
many
shops is the
This phrase/word (depending on the context) can be potentially replaced with :
people
This phrase/word is too simple and can be replaced with:
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
You use this word too often, consider replacing it with
payment
. With this new phone
You use this word too often, consider replacing it with
payment
method, the self
This phrase/word (depending on the context) can be potentially replaced with :
check
-out options
are offered
in
This phrase/word is too simple and can be replaced with:
many
crowded outlets where
This phrase/word (depending on the context) can be potentially replaced with :
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
This phrase/word (depending on the context) can be potentially replaced with :
company
staffs. They
merely
This phrase/word is too simple and can be replaced with:
have to
wait in the queue for minimum half an hour to do the
You use this word too often, consider replacing it with
payment
.
On the contrary
, after the introduction of this mobile
You use this word too often, consider replacing it with
payment
method, the waiting time is
This phrase/word (depending on the context) can be potentially replaced with :
reduced
into 50% during peak hours.

Turning on other side, a possible disadvantage will be when the mobile
is lost
or stolen.
Possible spelling mistake found.
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
You use this word too often, consider replacing it with
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
  • ?
    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: 5.5
  • 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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