The topic of a cashless economy has become increasingly prevalent in IELTS Writing Task 2 exams. Based on recent trends and past exam questions, it’s highly likely that candidates will encounter this subject in future tests. Let’s examine a relevant question that has appeared in recent IELTS exams:

Some people think that a cashless society will bring more benefits while others believe it will lead to more problems. Discuss both views and give your own opinion.

This question encapsulates the advantages and disadvantages of cashless transactions, making it an excellent topic for analysis and practice.

Analyzing the Question

The question asks candidates to:

1. Discuss the benefits of a cashless society
2. Discuss the problems associated with a cashless society
3. Provide their own opinion on the matter

It’s crucial to address all parts of the question to achieve a high band score. Let’s look at sample essays for different band scores, starting with a high-scoring essay.

Sample Essay 1 – Band 8/9

The transition towards a cashless society has been a topic of heated debate in recent years. While some argue that it will bring numerous advantages, others contend that it may lead to significant problems. In my opinion, while a cashless economy offers substantial benefits, it also presents challenges that need to be carefully addressed.

Proponents of a cashless society argue that it brings several notable benefits. Firstly, digital transactions are more convenient and efficient, eliminating the need to carry physical cash and reducing the time spent on financial operations. Moreover, a cashless system can help combat illegal activities such as tax evasion and money laundering, as all transactions are recorded and traceable. Additionally, it can lead to reduced costs for businesses and governments in terms of cash handling and printing.

Benefits of Digital Transactions

However, critics raise valid concerns about the potential problems of a cashless society. One significant issue is the digital divide, where those without access to technology or digital literacy may be excluded from economic participation. Furthermore, privacy concerns arise as digital transactions can be monitored, potentially leading to increased surveillance and data breaches. There’s also the risk of system failures or cyberattacks, which could paralyze the economy if there’s an overreliance on digital payment systems.

Challenges of the Digital Divide

In my view, while the benefits of a cashless society are substantial, the transition must be managed carefully to address its potential drawbacks. Governments and financial institutions should implement robust security measures to protect against cyber threats and ensure privacy. Additionally, efforts should be made to bridge the digital divide through education and infrastructure development. A gradual transition that maintains some cash options alongside digital payments could help mitigate risks and ensure inclusivity.

In conclusion, the shift towards a cashless society offers significant advantages in terms of convenience, efficiency, and transparency. However, it’s crucial to address the associated challenges to create a system that is secure, inclusive, and beneficial for all members of society.

(309 words)

Analysis of Band 8/9 Essay

This essay demonstrates several key features that contribute to its high band score:

1. Task Achievement: The essay fully addresses all parts of the question, discussing both views and providing a clear personal opinion.
2. Coherence and Cohesion: The essay is well-organized with clear paragraphing. It uses a range of cohesive devices effectively (e.g., “Firstly”, “Moreover”, “However”, “Furthermore”).
3. Lexical Resource: The essay uses a wide range of vocabulary accurately and appropriately (e.g., “heated debate”, “proponents”, “digital divide”, “overreliance”).
4. Grammatical Range and Accuracy: The essay demonstrates a wide range of grammatical structures used accurately and flexibly (e.g., complex sentences, passive voice, conditionals).
5. Development of Ideas: Each main point is well-developed with relevant examples and explanations.

Sample Essay 2 – Band 6/7

In recent years, many countries have been moving towards a cashless society. Some people think this change will bring more benefits, while others believe it will cause more problems. In my opinion, a cashless society has both advantages and disadvantages.

There are several benefits of a cashless society. Firstly, it is more convenient for people because they don’t need to carry cash. They can pay for things using their phones or cards. Secondly, it can reduce crime because there is less physical money to steal. Also, it’s easier for the government to track illegal activities when all transactions are digital.

Cashless Payment Methods

However, there are also some problems with a cashless society. One big issue is that some people might be left out, especially older people or those who don’t have access to technology. Another problem is that people might spend more money because it’s easier to pay with cards or phones than with cash. There are also concerns about privacy and security of digital transactions.

In my view, while a cashless society has many benefits, we need to be careful about how we implement it. We should make sure everyone can access and use digital payment systems. We also need strong security measures to protect people’s money and information.

In conclusion, a cashless society has both advantages and disadvantages. I believe it can be beneficial if we address the potential problems carefully.

(220 words)

Analysis of Band 6/7 Essay

This essay demonstrates features typical of a Band 6/7 score:

1. Task Achievement: The essay addresses all parts of the task, but the development of ideas is less thorough compared to the Band 8/9 essay.
2. Coherence and Cohesion: The essay is organized logically, but the use of cohesive devices is less sophisticated (e.g., repetitive use of “Firstly”, “Secondly”).
3. Lexical Resource: The vocabulary used is adequate but less varied compared to the higher band essay. Some attempts at less common vocabulary are made (e.g., “implement”).
4. Grammatical Range and Accuracy: The essay uses a mix of simple and complex sentences but with less flexibility than the Band 8/9 essay.
5. Development of Ideas: Main points are presented with some supporting ideas, but the level of detail and explanation is less than in the higher band essay.

Key Vocabulary to Remember

1. Cashless society (noun) – /ˈkæʃləs səˈsaɪəti/ – A economic system where financial transactions are conducted digitally rather than with physical currency.
2. Digital transactions (noun phrase) – /ˈdɪdʒɪtl trænˈzækʃənz/ – Exchanges of money or financial assets conducted electronically.
3. Cybersecurity (noun) – /ˌsaɪbərsiˈkjʊərəti/ – The practice of protecting systems, networks, and programs from digital attacks.
4. Financial inclusion (noun phrase) – /faɪˈnænʃəl ɪnˈkluːʒən/ – The availability and equality of opportunities to access financial services.
5. Digital divide (noun phrase) – /ˈdɪdʒɪtl dɪˈvaɪd/ – The gap between demographics and regions that have access to modern information and communications technology, and those that don’t.
6. Privacy concerns (noun phrase) – /ˈprɪvəsi kənˈsɜːrnz/ – Worries about the protection and appropriate use of personal information.
7. Surveillance (noun) – /sərˈveɪləns/ – Close observation, especially of a suspected person or group.
8. Financial literacy (noun phrase) – /faɪˈnænʃəl ˈlɪtərəsi/ – The possession of skills and knowledge that allows an individual to make informed and effective decisions with their financial resources.

In conclusion, the topic of a cashless economy is likely to remain relevant in future IELTS Writing Task 2 exams. To prepare effectively, candidates should practice writing essays that discuss both the benefits and drawbacks of a cashless society, considering various aspects such as convenience, security, financial inclusion, and privacy. It’s also crucial to develop a wide range of vocabulary related to this topic and to practice using complex grammatical structures to express ideas clearly and effectively.

For further practice, consider writing an essay on the following potential future topic: “Some people believe that digital currencies will eventually replace traditional money completely. To what extent do you agree or disagree with this view?” Share your practice essays in the comments section below to receive feedback and improve your writing skills.