IELTS Writing Samples

Response: The popularity of payment apps has increased significantly in recent years. In this essay the primary causes of this trend, including convenience and advancement of technology, will be analyzed. The potential problems, such as cyber fraud and over-reliance on technology, will also be discussed. One primary reason for banking apps becoming more prevalent in the community is that they offer ease of use so people are able to transfer their money and do other banking operations, regardless of time, even late at nights. For example, if individuals log into these applications, they will be capable of purchasing from online shops, despite geographical distance. Another key reason cause of this change is the widespread use of technology, which facilitates giving bank services to the applicants, compared with the past. As a consequence, the emergence of payment apps enables people to complain about customer service or pay their bills and tuition fees, without being present at the bank. One key problem of prevalence of paying for things online is that it may give rise to security problems. To be more exact, it is hard to define whether the apps worth of trust or not as an unprofessional. For instance, hackers can enter the users' bank accounts by hacking their ID number and password, which contributes to stealing their money and transferring it into another account. Another vital challenge is that people depend too much on online platforms. Therefore, if their batter dies or they do not have access to the internet, they find it substantially difficult to work with ATMs and debit cards. In conclusion, being user-friendly and improved technology are the most notable factors of over-use of online banking platforms, leading to cyberbullying and over-dependence on technology.