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Paying for things using mobile phone apps is becoming increasingly common-Task 2 Band 9 Essay Sample

Updated: Mar 14

You should spend about 40 minutes on this task.


Write about the following topic:


In many countries, paying for things using mobile phone apps is becoming increasingly common.

Does this development have more advantages or more disadvantages?


Give reasons for your answer and include any relevant examples from your own knowledge and experiences.


You should write at least 250 words.


Task 2 Band 9 Essay Sample - In many countries, paying for things using mobile phone apps is becoming increasingly common.

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Sample Essay 1

With the development of new technology, the payment methods available to people have changed, they are increasingly using their mobile devices to make payments. Though this development involves some threats of information theft, because of its user-friendly convenient nature, advantages of this revolutionary advancement obviously outweigh the drawbacks it can cause.


The main advantage of paying for items by cell phones is that the individuals neither need to carry any cash nor other payment devices like credit and debit cards, their mobile phone is all they need with them to pay for anything. A recent Cambridge study revealed that, in the last 5 years, 92% of the respondents always carried their mobile phones and paid for their items on the go, results in their uninterrupted purchases even though they frequently left cash or cards at home. It illustrates the incredible convenience of paying with a mobile app. In fact, a very easy-to-setup method has given a competitive edge to this technology. All it takes entering the credit / debit card information in the phone with the assistance of the associated financial institution. Once installed, users do not need to input the information every time they purchase. That means, individuals do not have to remember the password to make payment through the cell phone. Just a tap on the app or placing the device in front of the scanner can smoothly process the payment. Therefore, this ground-breaking innovation is a massive blessing for people’s quick and easy pay.


However, potential security breach is the major downside of a mobile app-based payment system. Once the information in stored in a device, it can bring a massive lose if the device is stolen. In this case, if the thief manages to crack the phone’s password, not only can he get access to the phone’s contact list and other confidential data but also to the bank details of the owner. Fortunately, there are some extra security options available to people like voice code, fingerprint and face recognition features that can weather this potential disaster.


To conclude, instead of some security challenges, because of the unprecedented convenience and incredibly easy-access to the credit, a mobile app-base payment system’s benefits obviously outweigh its associated drawbacks.


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Sample Essay 2

The ascendancy of mobile payment applications is reshaping financial transactions worldwide, heralding a blend of modernity and efficiency. This essay argues that the advantages of this shift, specifically in terms of economic inclusivity and consumer behavior insights, profoundly outweigh its disadvantages.


Central to the discourse on mobile payments is their role in enhancing economic inclusivity. By circumventing traditional banking barriers, mobile apps extend financial services to underserved populations. For example, in regions where banking infrastructure is sparse, mobile payments act as a bridge, enabling individuals to engage in the digital economy. This democratization of financial services not only fosters economic empowerment but also stimulates local economies by broadening the consumer and merchant base.


Additionally, mobile payment systems offer invaluable insights into consumer behavior, benefitting businesses and consumers alike. Through data analytics, businesses can tailor their services to meet consumer needs more accurately, thereby improving customer satisfaction and loyalty. Concurrently, consumers enjoy personalized experiences and rewards, enhancing the value proposition of mobile payments. An illustrative case is the targeted discounts offered to users based on their spending habits, which not only fosters consumer engagement but also drives sales.


Acknowledging potential concerns, such as data privacy and digital literacy gaps, is crucial. However, these issues are being progressively mitigated through stringent data protection laws and widespread digital literacy initiatives, underscoring a commitment to safeguarding user interests.


In conclusion, the proliferation of mobile payment applications is a pivotal development in the financial sector, offering unmatched advantages in terms of economic inclusivity and consumer insights. This trend signifies a transformative step towards a more inclusive and data-driven economy, where the benefits far eclipse the challenges. Thus, the emergence of mobile payments is an unequivocally positive evolution in the financial landscape.


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Sample Essay 3

In the contemporary era, the ubiquity of mobile payment apps has revolutionized the way transactions are conducted across the globe. This essay posits that the benefits of this development significantly outweigh its drawbacks, particularly in terms of convenience and security.


The primary advantage of mobile payments lies in their unparalleled convenience. Unlike traditional methods, these apps enable users to complete transactions swiftly, without the necessity of physical currency or cards. For instance, a customer can effortlessly pay for their coffee, transfer money, or even settle utility bills with just a few taps on their smartphone. This ease of use not only saves time but also enhances the efficiency of daily financial activities, fostering a more streamlined lifestyle.


Moreover, mobile payment platforms often incorporate advanced security features that surpass those of conventional banking systems. Technologies like encryption and biometrics ensure that users' financial data is protected against unauthorized access. An illustrative example is the use of fingerprint and facial recognition for transaction authentication, significantly reducing the risk of fraud. Such robust security measures provide users with peace of mind, knowing their financial transactions are safeguarded.


However, it is imperative to acknowledge potential drawbacks, such as the digital divide and privacy concerns. Notwithstanding, these challenges are not insurmountable and are progressively being addressed through advancements in technology and regulatory frameworks.


In conclusion, the advent of mobile payment apps heralds a significant leap forward in the realm of financial transactions. The benefits of convenience and enhanced security not only outweigh potential disadvantages but also mark a pivotal shift towards a more efficient and secure financial ecosystem. As such, this development is a positive stride towards accommodating the dynamic needs of modern society.


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