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

Updated: Aug 29, 2023

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.


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

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IELTS Task 2 Band 9 Sample Essay

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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