The topic of cashless society has appeared frequently in IELTS Writing Task 2 exams over the past decade, particularly in recent years as digital payment systems become increasingly prevalent worldwide. Based on analysis of past exam questions and current global trends, this theme is likely to remain relevant in future tests. Several variations of this topic have appeared, with the most common being advantages/disadvantages essays or discussion essays.
Sample Question Analysis
Some people believe that a cashless society would bring more benefits than drawbacks. To what extent do you agree or disagree with this statement?
This question requires candidates to:
- Take a clear position on the statement
- Evaluate both benefits and drawbacks of a cashless society
- Support arguments with relevant examples
- Provide a balanced discussion
- Conclude with a well-justified opinion
Band 8 Sample Essay
The transition towards a cashless economy has accelerated dramatically in recent years, and while some argue this shift would be overwhelmingly positive, I partially agree with this view as both advantages and disadvantages need careful consideration.
On the positive side, digital transactions offer numerous compelling benefits. The elimination of physical currency would significantly reduce financial crimes such as theft and money laundering, as electronic payments leave clear audit trails that can be monitored by authorities. Furthermore, digital transactions promote greater financial inclusion, enabling even remote populations to access banking services through mobile applications. For instance, in India, digital payment platforms have helped millions of previously unbanked citizens join the formal economy.
However, several substantial challenges cannot be ignored. The complete digitalization of payments creates vulnerability to technological failures and cyber attacks, which could potentially paralyze entire economies. Additionally, elderly populations and those less comfortable with technology might struggle to adapt to a completely cashless system. Privacy concerns also arise, as digital transactions can be tracked, potentially leading to surveillance issues and data breaches.
In my view, while the benefits of a cashless society are significant, they do not entirely outweigh the drawbacks. The optimal approach would be a gradual transition that maintains some cash options while predominantly promoting digital payments. This would allow society to harness the advantages of digital transactions while mitigating their associated risks.
Band 6.5 Sample Essay
Many people think that having no cash is good for society. I think this idea has both good and bad points that we need to think about carefully.
First, there are some good things about not using cash. When people use cards or phones to pay, it is harder for criminals to steal money. Also, it is easier for governments to see when people try to hide money or avoid paying taxes. For example, in my country, many shops now use digital payments, and this has helped reduce tax problems.
But there are also problems with this system. Some people, especially old people, find it hard to use new technology. If we stop using cash completely, these people might have problems buying things they need. Another problem is that computers can sometimes stop working or get attacked by hackers. This could cause big problems if nobody can use cash anymore.
In conclusion, I think moving away from cash has both good and bad effects. It is probably better to keep some cash while also using digital payments. This way, people can choose what works best for them.
Essay Analysis
Band 8 Essay Analysis:
- Task Response (8): Clear position with balanced arguments
- Coherence & Cohesion (8): Logical progression with effective paragraphing
- Lexical Resource (8): Advanced vocabulary used naturally
- Grammar (8): Complex structures with minimal errors
Band 6.5 Essay Analysis:
- Task Response (6): Basic ideas presented with limited development
- Coherence & Cohesion (6): Simple organization with basic linking
- Lexical Resource (6): Adequate but repetitive vocabulary
- Grammar (6): Mix of simple and complex structures with some errors
Key Vocabulary
- digitalization (n) /ˌdɪdʒɪtəlaɪˈzeɪʃən/ – the process of converting information into digital form
- vulnerability (n) /ˌvʌlnərəˈbɪləti/ – susceptibility to attack or harm
- paralyze (v) /ˈpærəlaɪz/ – make powerless or unable to function
- surveillance (n) /sərˈveɪləns/ – close observation of a person or group
- audit trail (n) /ˈɔːdɪt treɪl/ – chronological record of system activities
- cyber attacks (n) /ˈsaɪbər əˌtæks/ – attempts to damage computer systems
- financial inclusion (n) /faɪˈnænʃəl ɪnˈkluːʒən/ – access to financial services
- unbanked (adj) /ʌnˈbæŋkt/ – not having access to banking services
For practice, try writing your own essay about how cashless payments are changing shopping habits in your country. Share your essay in the comments for feedback and discussion.