In many countries, paying for things using mobile phone (cellphone) app is becoming increasingly common. Does this development have more advantages or more disadvantages?
Technology revolution is leading us to the era that never appeared in the imagination of our ancestors, especially modern tap and pay method allows us to buy products with taps of phone onto the POS machine, it is debatable that cashless payment is exposing ourselves on risk of compromising personal privacy and people rather adhere to conventional paper based payment, however using mobile phone to finalize payment seems has more advantages over traditional paper based payment, especially in the sense of lifting the restriction of payment location as well as time saving.
Cashless payment has more advantages over cash payment in terms of cashless payment, in other words, paid by phone or apps allows us to execute the paying behavior online without visiting the vendor in person, for example, paying our utilities bill online is easier, simpler than visiting the governmental facilities physically, in re-shaping of paying method brings great convenience to us and undoubtedly mobile phone will gradually replace cash payment.
Furthermore, cash payment will be overwhelmed by cashless payment due to it saves ample time, paying online enable us to make the payment with few taps on screen rather than queuing in front of counters, for instance, online payment made the grocery shopping less time-consuming as it would simply complete with few click on laptop, whereas cash purchase requires ones to visit and spending time at brick and mortar store, thus online payment has absolute advantage compare to conventional payment method.
To conclude, paying with mobile phone offers us more flexibility on location and save more times, traditional payment has less to offer in this aspect, thus paying with apps has greater advantage than cash, in essence, apps payment is replacing cash in majority fields. 
Technology revolution is leading us to the era that never appeared in the imagination of our ancestors,  
especially
 modern tap and pay method  
allows
 us to  
buy
 products with taps of  
phone
 onto the POS machine, it is debatable that cashless  
payment
 is exposing ourselves on  
risk
 of compromising personal privacy and  
people
  rather
 adhere to conventional paper based  
payment
,  
however
 using mobile  
phone
 to finalize  
payment
 seems has more  
advantages
 over traditional paper based  
payment
,  
especially
 in the sense of lifting the restriction of  
payment
 location  
as well
 as  
time
 saving.
Cashless  
payment
 has more  
advantages
 over  
cash
  payment
 in terms of cashless  
payment
,  
in other words
, paid by  
phone
 or apps  
allows
 us to execute the  
paying
 behavior  
online
 without visiting the vendor in person,  
for example
,  
paying
 our utilities bill  
online
 is easier, simpler than visiting the governmental facilities  
physically
, in re-shaping of  
paying
 method brings great convenience to us and  
undoubtedly
 mobile  
phone
 will  
gradually
 replace  
cash
 payment. 
Furthermore
,  
cash
  payment
 will  
be overwhelmed
 by cashless  
payment
 due to it saves ample  
time
,  
paying
  online
 enable us to  
make
 the  
payment
 with few taps on screen  
rather
 than queuing in front of counters,  
for instance
,  
online
  payment
 made the grocery shopping less time-consuming as it would  
simply
 complete with few click on laptop, whereas  
cash
  purchase
 requires ones to visit and spending  
time
 at brick and mortar store,  
thus
  online
  payment
 has absolute  
advantage
 compare to conventional  
payment
 method. 
To conclude
,  
paying
 with mobile  
phone
 offers us more flexibility on location and save more  
times
, traditional  
payment
 has less to offer in this aspect,  
thus
  paying
 with apps has greater  
advantage
 than  
cash
, in essence, apps  
payment
 is replacing  
cash
 in majority fields.