In many countries, paying for things using mobile phone (cellphone) apps is becoming increasingly common. Does this development have more advantages or more disadvantages?
Currently, the usage of smartphone payment applications has risen in a significant number of countries. While this tendency may increase the vulnerability of personal data, I am convinced that the advantages of this kind of payment can make the paying process more convenient for people.
On the one hand, using a smartphone application for payments can make one’s bank account vulnerable. Nowadays, hackers are inventing and developing various viruses that can infect the application’s payment system, thereby getting access to your bank account details. Doing this, they will use this information for stealing money. A few years ago in Ukraine, for example, there was a terrible scandal regarding PrivatBank’s online payment system which was substituted with a false one. The latter was collecting personal data of the bank customers that tried to pay using this system. Therefore, hundreds of users were robbed by hackers as they knew the clients’ passwords and other data to use those accounts for their advantage.
On the other hand, while paying for things with applications may endanger your savings, I do believe that this tendency simplifies the payment process allowing people not to carry significant sums of cash. Going shopping tends to make one carry a big amount of cash, and in such a case paying with a smartphone can prevent your money from being stolen during the process. Not only might applications save your cash, but also they make the payment process much easier. Online payment systems save your time as you pay for your purchase just by touching the payment terminal with your phone as well as by just pressing a few buttons and wiring your money. As a result, the whole shopping process is becoming faster and more convenient for an individual.
To conclude, everyday usage of smartphone applications for shopping has become more popular among people. Such a trend may cause the vulnerability of a customer’s personal data, however, I would still argue that the simplicity of such a method and the safety of cash that it brings are likely to be positive factors of this tendency.
Comments
Essay evaluations by e-grader
Transition Words or Phrases used:
also, but, however, if, may, regarding, so, still, therefore, well, while, for example, kind of, as a result, as well as, on the other hand
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 9.0 13.1623246493 68% => OK
Auxiliary verbs: 10.0 7.85571142285 127% => OK
Conjunction : 7.0 10.4138276553 67% => OK
Relative clauses : 7.0 7.30460921844 96% => OK
Pronoun: 31.0 24.0651302605 129% => Less pronouns wanted
Preposition: 37.0 41.998997996 88% => OK
Nominalization: 10.0 8.3376753507 120% => OK
Performance on vocabulary words:
No of characters: 1780.0 1615.20841683 110% => OK
No of words: 346.0 315.596192385 110% => OK
Chars per words: 5.14450867052 5.12529762239 100% => OK
Fourth root words length: 4.31289638616 4.20363070211 103% => OK
Word Length SD: 2.77885626949 2.80592935109 99% => OK
Unique words: 187.0 176.041082164 106% => OK
Unique words percentage: 0.540462427746 0.561755894193 96% => OK
syllable_count: 544.5 506.74238477 107% => OK
avg_syllables_per_word: 1.6 1.60771543086 100% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 4.0 5.43587174349 74% => OK
Article: 4.0 2.52805611222 158% => OK
Subordination: 3.0 2.10420841683 143% => OK
Conjunction: 2.0 0.809619238477 247% => Less conjunction wanted as sentence beginning.
Preposition: 3.0 4.76152304609 63% => OK
Performance on sentences:
How many sentences: 15.0 16.0721442886 93% => OK
Sentence length: 23.0 20.2975951904 113% => OK
Sentence length SD: 47.2150635097 49.4020404114 96% => OK
Chars per sentence: 118.666666667 106.682146367 111% => OK
Words per sentence: 23.0666666667 20.7667163134 111% => OK
Discourse Markers: 9.26666666667 7.06120827912 131% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 0.0 5.01903807615 0% => OK
Sentences with positive sentiment : 9.0 8.67935871743 104% => OK
Sentences with negative sentiment : 4.0 3.9879759519 100% => OK
Sentences with neutral sentiment: 2.0 3.4128256513 59% => OK
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.183835249633 0.244688304435 75% => OK
Sentence topic coherence: 0.0726957654439 0.084324248473 86% => OK
Sentence topic coherence SD: 0.0618962203168 0.0667982634062 93% => OK
Paragraph topic coherence: 0.122324866349 0.151304729494 81% => OK
Paragraph topic coherence SD: 0.0289976042837 0.056905535591 51% => OK
Essay readability:
automated_readability_index: 14.3 13.0946893788 109% => OK
flesch_reading_ease: 48.13 50.2224549098 96% => OK
smog_index: 8.8 7.44779559118 118% => OK
flesch_kincaid_grade: 12.3 11.3001002004 109% => OK
coleman_liau_index: 12.83 12.4159519038 103% => OK
dale_chall_readability_score: 8.7 8.58950901804 101% => OK
difficult_words: 86.0 78.4519038076 110% => OK
linsear_write_formula: 9.0 9.78957915832 92% => OK
gunning_fog: 11.2 10.1190380762 111% => OK
text_standard: 9.0 10.7795591182 83% => OK
What are above readability scores?
---------------------
Rates: 73.0337078652 out of 100
Scores by essay e-grader: 6.5 Out of 9
---------------------
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.
Transition Words or Phrases used:
also, but, however, if, may, regarding, so, still, therefore, well, while, for example, kind of, as a result, as well as, on the other hand
Attributes: Values AverageValues Percentages(Values/AverageValues)% => Comments
Performance on Part of Speech:
To be verbs : 9.0 13.1623246493 68% => OK
Auxiliary verbs: 10.0 7.85571142285 127% => OK
Conjunction : 7.0 10.4138276553 67% => OK
Relative clauses : 7.0 7.30460921844 96% => OK
Pronoun: 31.0 24.0651302605 129% => Less pronouns wanted
Preposition: 37.0 41.998997996 88% => OK
Nominalization: 10.0 8.3376753507 120% => OK
Performance on vocabulary words:
No of characters: 1780.0 1615.20841683 110% => OK
No of words: 346.0 315.596192385 110% => OK
Chars per words: 5.14450867052 5.12529762239 100% => OK
Fourth root words length: 4.31289638616 4.20363070211 103% => OK
Word Length SD: 2.77885626949 2.80592935109 99% => OK
Unique words: 187.0 176.041082164 106% => OK
Unique words percentage: 0.540462427746 0.561755894193 96% => OK
syllable_count: 544.5 506.74238477 107% => OK
avg_syllables_per_word: 1.6 1.60771543086 100% => OK
A sentence (or a clause, phrase) starts by:
Pronoun: 4.0 5.43587174349 74% => OK
Article: 4.0 2.52805611222 158% => OK
Subordination: 3.0 2.10420841683 143% => OK
Conjunction: 2.0 0.809619238477 247% => Less conjunction wanted as sentence beginning.
Preposition: 3.0 4.76152304609 63% => OK
Performance on sentences:
How many sentences: 15.0 16.0721442886 93% => OK
Sentence length: 23.0 20.2975951904 113% => OK
Sentence length SD: 47.2150635097 49.4020404114 96% => OK
Chars per sentence: 118.666666667 106.682146367 111% => OK
Words per sentence: 23.0666666667 20.7667163134 111% => OK
Discourse Markers: 9.26666666667 7.06120827912 131% => OK
Paragraphs: 4.0 4.38176352705 91% => OK
Language errors: 0.0 5.01903807615 0% => OK
Sentences with positive sentiment : 9.0 8.67935871743 104% => OK
Sentences with negative sentiment : 4.0 3.9879759519 100% => OK
Sentences with neutral sentiment: 2.0 3.4128256513 59% => OK
What are sentences with positive/Negative/neutral sentiment?
Coherence and Cohesion:
Essay topic to essay body coherence: 0.183835249633 0.244688304435 75% => OK
Sentence topic coherence: 0.0726957654439 0.084324248473 86% => OK
Sentence topic coherence SD: 0.0618962203168 0.0667982634062 93% => OK
Paragraph topic coherence: 0.122324866349 0.151304729494 81% => OK
Paragraph topic coherence SD: 0.0289976042837 0.056905535591 51% => OK
Essay readability:
automated_readability_index: 14.3 13.0946893788 109% => OK
flesch_reading_ease: 48.13 50.2224549098 96% => OK
smog_index: 8.8 7.44779559118 118% => OK
flesch_kincaid_grade: 12.3 11.3001002004 109% => OK
coleman_liau_index: 12.83 12.4159519038 103% => OK
dale_chall_readability_score: 8.7 8.58950901804 101% => OK
difficult_words: 86.0 78.4519038076 110% => OK
linsear_write_formula: 9.0 9.78957915832 92% => OK
gunning_fog: 11.2 10.1190380762 111% => OK
text_standard: 9.0 10.7795591182 83% => OK
What are above readability scores?
---------------------
Rates: 73.0337078652 out of 100
Scores by essay e-grader: 6.5 Out of 9
---------------------
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.