The topic of cashless society has become increasingly relevant in IELTS Writing Task 2, appearing multiple times between 2019-2023. Similar to the benefits and drawbacks of remote learning, this theme reflects significant technological and social changes affecting our daily lives.
The evolution of digital payments and cashless transactions in modern society
Analysis of Recent IELTS Task 2 Questions
The most frequently appearing question format is:
Some people believe that a cashless society would bring more benefits than drawbacks. To what extent do you agree or disagree with this statement?
Question Analysis
- Topic: Cashless society
- Task type: Opinion (Agree/Disagree)
- Key requirements:
- Clear position statement
- Well-developed arguments
- Relevant examples
- Balanced discussion
Sample Essay 1 (Band 8.5)
The transition to a cashless economy has garnered significant attention, particularly as digital payment solutions continue to evolve. While some argue that eliminating physical currency would be advantageous, I strongly believe that the benefits of a cashless society substantially outweigh its drawbacks.
The primary advantage of a cashless system lies in its enhanced security and convenience. Digital transactions create an automatic paper trail, making it significantly harder for criminals to engage in money laundering or tax evasion. Moreover, as demonstrated by how to maximize credit card rewards, electronic payments often come with additional benefits such as cashback and fraud protection. For instance, in countries like Sweden where cash usage has declined dramatically, financial crimes have correspondingly decreased.
Furthermore, digital transactions promote financial inclusion and economic efficiency. Mobile banking and digital wallets enable people in remote areas to access financial services without physical bank branches. This technological advancement, combined with importance of budgeting apps for financial success, helps individuals better manage their finances and participate in the formal economy.
However, certain challenges cannot be ignored. The elderly and technologically disadvantaged populations might struggle to adapt to digital payment systems. Additionally, technical failures or cyberattacks could temporarily disrupt financial transactions. Nevertheless, these issues can be addressed through proper education and robust security measures.
In conclusion, while the transition to a cashless society presents some challenges, the advantages of enhanced security, convenience, and financial inclusion far outweigh the potential drawbacks. Governments and financial institutions should focus on implementing supportive measures to ensure a smooth transition for all segments of society.
Digital payment methods offering secure and convenient transactions
Sample Essay 2 (Band 6.5)
In recent years, many countries are moving towards a cashless society. While this change has some good points, I think there are also some problems we need to think about.
One good thing about not using cash is that it’s safer. When people carry less cash, there are fewer robberies. Also, digital payments help government track money better and stop illegal activities. For example, in my country, when more people started using digital payments, tax collection improved.
Another benefit is convenience. People don’t need to carry heavy wallets anymore. They can pay for things using their phones or cards. This is very helpful when traveling or shopping online. It saves time because we don’t need to count money or wait for change.
But there are some problems too. Old people find it hard to use digital payments. Some people worry about privacy because companies can see what they buy. Also, if the internet is not working, people cannot pay for things they need.
In conclusion, while cashless payments make life easier and safer, we must help everyone learn to use them and make sure the system works well all the time.
Scoring Analysis
Band 8.5 Essay Analysis:
- Task Response: Clear position, fully developed arguments
- Coherence and Cohesion: Logical organization, effective paragraphing
- Lexical Resource: Sophisticated vocabulary (garnered, corresponding, robust)
- Grammatical Range: Complex structures, error-free
Band 6.5 Essay Analysis:
- Task Response: Clear but simpler arguments
- Coherence and Cohesion: Basic organization
- Lexical Resource: Simple but accurate vocabulary
- Grammatical Range: Mix of simple and complex structures
Key Vocabulary
- transition (n) /trænˈzɪʃən/ – the process of changing from one state to another
- financial inclusion (n) /faɪˈnænʃəl ɪnˈkluːʒən/ – access to useful and affordable financial products
- robust (adj) /rəˈbʌst/ – strong and effective in all conditions
- technological advancement (n) /ˌteknəˈlɒdʒɪkəl ədˈvɑːnsmənt/ – progress in technology
- cyberattack (n) /ˈsaɪbərəˌtæk/ – an attempt to damage computer systems
Consider practicing with this similar topic: “Digital payment systems have replaced traditional banking methods. Discuss the advantages and disadvantages of this trend.” Share your essays in the comments section for feedback and discussion.
