In many countries, paying for more things using mobile phone apps is becoming increasingly common. Does this development have more advantages or more disadvantages
As more merchants offer customers the option to pay through cell phone applications at the point of sale, mobile payment via digital wallets is becoming increasingly prevalent. This essay argues that despite the main disadvantage of this trend is the lack of a universal software application, mobile wallets reap more benefits as they offer unprecedented convenience of making payments to purchase things.
To commence with, paying for things has never been more convenient than using a mobile payment system. In simple words, people can carry out cash transactions to merchants without carrying hard cash or cards. For instance, payment apps like Apple Pay, Android Pay, and Google Pay are particularly popular apps, which consumers use on a daily basis to make their payment whenever they purchase something. Moreover, cell phone payment applications offer an extra layer of biometric authentication like a fingerprint scan or facial recognition, helping businesses in ensuring payments are not fraudulent. Finally, most mobile payment applications are tokenized during transactions, which mean that sensitive account information is replaced by token so that fraudsters cannot use it if hacked during payment sessions, enhancing security for both customers and businesses.
However, some believe that the drawback to mobile payment apps is that not all businesses accept this payment method. Moreover, even if they accept it, they do not support all kinds of mobile payment applications. As a result, people still need to carry cash or cards and cannot use mobile payment in all shops or online stores. Put simply, an outlet may accept digital payments, but it does not accept all of them. A case in point is Walmart Pay. Walmart accepts digital payments, but only from its own Walmart Pay application. Besides, mobile network and internet connectivity are other major impediments to digital payments. To put it another way, you must have a good internet connection and updated mobile network infrastructure so as to process mobile payments. Furthermore, digital payments make some people worried about their privacy. This is because each transaction leaves a digital record. Although the records are not posted publicly, there is a constant fear of hackers.
To conclude, the abovementioned arguments make it clear that although cell phone payment apps have some limitations, the overall benefits of mobile wallets clearly outweigh the drawbacks.
| Post date | Users | Rates | Link to Content |
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| 2023-06-16 | thadsha1999 | 78 | view |
| 2022-08-15 | yasaman-pooshidani | 73 | view |
| 2022-06-11 | minhhh123 | 84 | view |
| 2022-02-09 | bilal_chaudhry | 61 | view |
| 2022-01-23 | shadow1222 | 73 | view |
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Grammar and spelling errors:
Line 3, column 734, Rule ID: SO_AS_TO[1]
Message: Use simply 'to'
Suggestion: to
...d updated mobile network infrastructure so as to process mobile payments. Furthermore, d...
^^^^^^^^
Transition Words or Phrases used:
besides, but, finally, furthermore, however, if, may, moreover, so, still, then, as to, for instance, as a result
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 13.0 13.1623246493 99% => OK
Auxiliary verbs: 6.0 7.85571142285 76% => OK
Conjunction : 11.0 10.4138276553 106% => OK
Relative clauses : 8.0 7.30460921844 110% => OK
Pronoun: 24.0 24.0651302605 100% => OK
Preposition: 38.0 41.998997996 90% => OK
Nominalization: 22.0 8.3376753507 264% => Less nominalizations (nouns with a suffix like: tion ment ence ance) wanted.
Performance on vocabulary words:
No of characters: 2076.0 1615.20841683 129% => OK
No of words: 379.0 315.596192385 120% => OK
Chars per words: 5.47757255937 5.12529762239 107% => OK
Fourth root words length: 4.41224685777 4.20363070211 105% => OK
Word Length SD: 2.88112392971 2.80592935109 103% => OK
Unique words: 215.0 176.041082164 122% => OK
Unique words percentage: 0.5672823219 0.561755894193 101% => OK
syllable_count: 639.9 506.74238477 126% => OK
avg_syllables_per_word: 1.7 1.60771543086 106% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 4.0 5.43587174349 74% => OK
Article: 4.0 2.52805611222 158% => OK
Subordination: 4.0 2.10420841683 190% => OK
Conjunction: 3.0 0.809619238477 371% => Less conjunction wanted as sentence beginning.
Preposition: 4.0 4.76152304609 84% => OK
Performance on sentences:
How many sentences: 19.0 16.0721442886 118% => OK
Sentence length: 19.0 20.2975951904 94% => OK
Sentence length SD: 61.0199095614 49.4020404114 124% => OK
Chars per sentence: 109.263157895 106.682146367 102% => OK
Words per sentence: 19.9473684211 20.7667163134 96% => OK
Discourse Markers: 5.94736842105 7.06120827912 84% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 1.0 5.01903807615 20% => OK
Sentences with positive sentiment : 9.0 8.67935871743 104% => OK
Sentences with negative sentiment : 6.0 3.9879759519 150% => OK
Sentences with neutral sentiment: 4.0 3.4128256513 117% => OK
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.229678898197 0.244688304435 94% => OK
Sentence topic coherence: 0.0701538169166 0.084324248473 83% => OK
Sentence topic coherence SD: 0.0717328137551 0.0667982634062 107% => OK
Paragraph topic coherence: 0.148542461926 0.151304729494 98% => OK
Paragraph topic coherence SD: 0.0634052979288 0.056905535591 111% => OK
Essay readability:
automated_readability_index: 14.4 13.0946893788 110% => OK
flesch_reading_ease: 43.73 50.2224549098 87% => OK
smog_index: 8.8 7.44779559118 118% => OK
flesch_kincaid_grade: 11.9 11.3001002004 105% => OK
coleman_liau_index: 14.5 12.4159519038 117% => OK
dale_chall_readability_score: 8.95 8.58950901804 104% => OK
difficult_words: 105.0 78.4519038076 134% => OK
linsear_write_formula: 11.0 9.78957915832 112% => OK
gunning_fog: 9.6 10.1190380762 95% => OK
text_standard: 9.0 10.7795591182 83% => OK
What are above readability scores?
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Rates: 84.2696629213 out of 100
Scores by essay e-grader: 7.5 Out of 9
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Note: the e-grader does NOT examine the meaning of words and ideas. VIP users will receive further evaluations by advanced module of e-grader and human graders.