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

Mobile phones have become an essential part of our lives. Our dependancy on our phones compels us to carry it around everywhere we go. There has been a growing trend in many countries to pay using apps installed on their phones, be it paying bills, online shopping or buying things at the store. In this essay, I will be discussing the merits and demerits of the increased use of payment applications. There are many apps like GooglePay, PayPal etc which are easily available and sometimes pre loaded on our cellphones. These apps provide us the flexibility to pay for our purchases anytime and anywhere. The usability of these options is really simple and can be learnt by any age group. These apps provide the option to manage all your bank accounts from a single platform, thus eliminating the need for carrying bulky wallets to keep physical credit/debit cards. For e. g. it would be much easier to select the GPAY option at checkout rather than entering the lenghty digits of your card for online shopping. The discount coupons and offers provided by these apps are an added advantage. Although, the benefits of using these apps is great, one cannot ignore its relience on good mobile networks. If the network or wifi reception is not good in the area, this app becomes useless as it cannot connect to the servers. The delayed connectivity issues may result in longer lines at any a store checkout which may leave the customers frustrated. We also need to be mindful that this is virtual money i. e. we cannot physically hold currency in out hands. This may lead to exessive spending as you may ignore to check your balance at the end of each transaction. Another potential risk is the increase in online frauds which makes our accounts vunerable in case of any cyber attacks In conclusion, it is fair to say that using payment apps on our cellphones has many advantages, as long as one is careful to not share any sensitive information relating to their accounts with anyone.

Mobile phones have become an essential part of our This phrase/word (depending on the context) can be potentially replaced with :resides
lives
. Our Possible spelling mistake found.dependency
dependancy
 on our phones compels us to carry it around everywhere we go. There has been a growing trend in This phrase/word is too simple and can be replaced with:a plethora ofa number ofnumerous
many
 countries to pay using apps installed on their phones, be it paying bills, online shopping or buying things at the store. In this essay, I will be discussing the merits and demerits of the increased This phrase/word (depending on the context) can be potentially replaced with :exploit
use
 of payment applications.

There are This phrase/word is too simple and can be replaced with:a plethora ofa number ofnumerous
many
 apps like Possible spelling mistake found.Google Pay
GooglePay
, PayPal etc which are easily
 available and This phrase/word (depending on the context) can be potentially replaced with :in some instances
sometimes
This word is normally spelled as one.preloaded
pre loaded
 on our cellphones. These apps provide us the flexibility to pay for our This phrase/word (depending on the context) can be potentially replaced with :acquires
purchases
 anytime and anywhere. The usability of these options is really
 simple and can be Possible spelling mistake. ‘learnt’ is British English.learned
learnt
 by any age group. These apps provide the option to manage all your bank accounts from a single platform, thus
 eliminating the need for carrying bulky wallets to This phrase/word (depending on the context) can be potentially replaced with :retain
keep
 physical credit/debit cards. For There should be no space here: “e.g.”.e.g.
e. g.
 it would be much easier to select the Possible spelling mistake found.PAYGRAYGPASPAYGAYGPHY
GPAY
 option at checkout rather
 than entering the Possible spelling mistake found.lengthy
lenghty
 digits of your card for online shopping. The discount coupons and offers provided by these apps are an This phrase/word (depending on the context) can be potentially replaced with :accrued
added
 advantage.

Although, the benefits of using these apps is great, one cannot This phrase/word (depending on the context) can be potentially replaced with :neglect
ignore
 its Possible spelling mistake found.reliance
relience
 on This phrase/word (depending on the context) can be potentially replaced with :beneficialproduct
good
 mobile networks. If the network or Did you mean “Wi-Fi”? (This is the officially approved term by the Wi-Fi Alliance.)Wi-Fi
wifi
 reception is not This phrase/word (depending on the context) can be potentially replaced with :beneficialproduct
good
 in the area, this app becomes useless as it cannot connect to the servers. The delayed connectivity issues may result in longer lines at any a store checkout which may This phrase/word (depending on the context) can be potentially replaced with :depart
leave
 the customers frustrated. We also
 need to be mindful that this is virtual money There should be no space here: “i.e.”.i.e.
i. e.
 we cannot physically
 hold currency in out hands. This may lead to Possible spelling mistake found.excessive
exessive
 spending as you may This phrase/word (depending on the context) can be potentially replaced with :neglect
ignore
 to This phrase/word (depending on the context) can be potentially replaced with :monitor
check
 your balance at the This phrase/word (depending on the context) can be potentially replaced with :expiration
end
 of each transaction. Another potential This phrase/word (depending on the context) can be potentially replaced with :hazarddanger
risk
 is the increase in online frauds which This phrase/word (depending on the context) can be potentially replaced with :createsconstructsmanufacturesproduces
makes
 our accounts Possible spelling mistake found.vulnerablevenerable
vunerable
 in case of any The word “cyberattacks” is spelled as one.cyberattacks
cyber attacks


In conclusion
, it is This phrase/word (depending on the context) can be potentially replaced with :equitable
fair
 to say that using payment apps on our cellphones has This phrase/word is too simple and can be replaced with:a plethora ofa number ofnumerous
many
 advantages, as long as one is careful to not share any sensitive information relating to their accounts with anyone. 