WRITING TASK 2
You should spend about 40 minutes on this task.
Present a written argument or case to an educated reader with no specialist knowledge.
Write about the following topic:
In many countries, paying for things using mobile phone (cellphone) apps is becoming increasingly common. Does this development have more advantages or disadvantages?
Give reasons for your answer and include any relevant examples from your own knowledge or experience.
Write at least 250 words.
Sample Answer:
In recent years, the use of mobile phone apps for making payments has become a widespread practice in many countries. This development has both advantages and disadvantages, but in my opinion, the benefits outweigh the drawbacks.
One of the main advantages of using mobile phone apps for payments is the convenience it offers. With just a few taps on a smartphone, users can easily make transactions without the need to carry physical cash or cards. This not only saves time but also reduces the risk of loss or theft. Additionally, mobile payment apps often offer features such as transaction history and budget tracking, which can help users manage their finances more effectively.
Another advantage of mobile payment apps is their potential to improve financial inclusion. In many developing countries, a large portion of the population does not have access to traditional banking services. Mobile payment apps provide a way for these individuals to participate in the formal economy and access financial services, such as savings and credit, which can help improve their economic well-being.
Furthermore, mobile payment apps can also contribute to a more sustainable environment. By reducing the need for physical cash and paper receipts, these apps can help decrease the use of resources and minimize the environmental impact of traditional payment methods.
However, there are also some disadvantages associated with the use of mobile payment apps. One of the main concerns is the security of transactions. There have been instances of data breaches and fraudulent activities related to mobile payment apps, which can put users’ financial information at risk. Additionally, some people may be hesitant to adopt mobile payment technology due to concerns about privacy and data security.
In conclusion, while the use of mobile payment apps has its drawbacks, such as security concerns, the benefits it offers in terms of convenience, financial inclusion, and environmental sustainability outweigh the disadvantages. With the proper measures in place to address security issues, mobile payment apps have the potential to revolutionize the way we conduct financial transactions and improve access to financial services for a larger portion of the population.
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