Payment through apps in cell phones is on the rise and has become mundane across the globe. While few believe that this development has its share of advantages, I however believe, that security concerns and other factors makes it more disadvantageous.
On one hand, having apps that can access or money could be useful. It could eliminate few things a person may carry generally. For example, a person need not carry his wallet and credit/debit cards, if he has apps to access his bank or money. Moreover, it is extremely convenient and easily accessible as people carry their mobile everywhere.
On the other hand, Although apps having access to payment have few advantages, the security issues involving it is a huge factor to be taken into consideration. A few studies suggested that one of the reason in increasing online frauds is the use of online payments through apps in the mobile. Recently, a report was all over the news and internet, where many individuals were hacked into their bank accounts due to apps in their mobile. Additionally, many people argue and have a theory of virtual money being not real money and can vanish anytime. They believe that hard cash is more safe and reliable. Therefore, I believe, the negative side of this trend outweighs its positive aspects.
In conclusion, although popularity of using mobile apps as a mode of payment is increasing among people for its convenience and accessibility, I believe that its disadvantages cannot be ignored and they outweigh its advantages. 
 Payment
 through apps in cell phones is on the rise and has become mundane across the globe. While few  
believe
 that this development has its share of advantages, I  
however
  believe
, that security concerns and other factors  
makes
 it more disadvantageous.
On one hand, having apps that can access or  
money
 could be useful. It could eliminate few things a person may carry  
generally
.  
For example
, a person need not carry his wallet and credit/debit cards, if he has apps to access his bank or  
money
.  
Moreover
, it is  
extremely
 convenient and  
easily
 accessible as  
people
 carry their mobile everywhere. 
On the other hand
, Although apps having access to  
payment
 have few advantages, the security issues involving it is a huge factor to  
be taken
 into consideration. A few studies suggested that one of the reason in increasing online frauds is the  
use
 of online  
payments
 through apps in the mobile. Recently, a report was all over the news and internet, where  
many
 individuals  
were hacked
 into their bank accounts due to apps in their mobile.  
Additionally
,  
many
  people
 argue and have a theory of virtual  
money
 being not real  
money
 and can vanish anytime. They  
believe
 that  
hard
 cash is more safe and reliable.  
Therefore
, I  
believe
, the  
negative
 side of this trend outweighs its  
positive
 aspects. 
In conclusion
, although popularity of using mobile apps as a mode of  
payment
 is increasing among  
people
 for its convenience and accessibility, I  
believe
 that its disadvantages cannot be  
ignored and
 they outweigh its advantages.