Technology: IELTS Writing Task 2 question

In many parts of the world, cards and mobile phones have largely replaced notes and coins as the normal way to pay. In my view, the advantages of this trend outweigh the disadvantages, as long as cash remains available for those who need it.

There are certainly some drawbacks. Older people who are not comfortable with technology, and those who have no bank account, risk being excluded from everyday activities such as buying a bus ticket or paying for parking if cash is no longer accepted. Digital payments also create new risks: online criminals can empty a bank account in minutes, and a technical failure at a bank or payment provider can leave thousands of customers unable to buy groceries. Some people also find it easier to overspend when they simply tap a card, because they never see money physically leaving their wallet.

However, the benefits are greater. Contactless payment is fast and convenient; a customer can pay for a coffee in seconds without searching for change, and shops no longer need to count cash at the end of the day. Digital transactions also leave a record, which allows people to keep track of spending through banking apps and to see clearly where their money goes each month. Furthermore, when businesses hold less cash, there are fewer opportunities for robbery, and because electronic payments are easier to trace, it becomes harder for companies to hide income and avoid paying tax. These gains affect almost everyone, every day.

In conclusion, I believe that the move towards a cashless society is largely positive. Nevertheless, governments should protect vulnerable groups by requiring essential services to continue accepting cash, so that the convenience enjoyed by the majority does not come at the expense of those who are least able to adapt.