In recent years, the topic of phasing out cash payments has become increasingly prevalent in IELTS Writing Task 2 examinations. This subject reflects the global trend towards digital transactions and cashless societies, making it a highly relevant and frequently tested topic. Based on an analysis of past IELTS exams and current economic trends, we can expect this theme to continue appearing in future tests. Let’s explore a sample question and provide model essays for different band scores.

Analyzing the Question

Some people think that cash will soon disappear, and all payments in the future will be made electronically. To what extent do you agree or disagree with this statement?

This question asks for your opinion on the future of cash payments. It’s an agree/disagree type question, which means you need to clearly state your position and support it with reasons and examples. The key aspects to address are:

1. The current trend towards electronic payments
2. The potential for cash to completely disappear
3. The implications of a cashless society
4. Your personal stance on this prediction

Sample Essay 1: Band 8-9

In an era of rapid technological advancement, the notion that cash will become obsolete, giving way to a fully electronic payment system, has gained significant traction. While I acknowledge the increasing prevalence of digital transactions, I believe that the complete disappearance of cash is unlikely in the foreseeable future.

Undeniably, electronic payment methods have revolutionized financial transactions, offering unprecedented convenience and efficiency. The proliferation of smartphones and the internet has facilitated the widespread adoption of mobile banking, contactless payments, and cryptocurrency. This shift has been further accelerated by the COVID-19 pandemic, which has heightened concerns about hygiene and encouraged contactless interactions. Many developed nations are already witnessing a substantial reduction in cash usage, with countries like Sweden leading the charge towards a cashless society.

However, the complete eradication of cash faces several significant hurdles. Firstly, a considerable portion of the global population remains unbanked or underbanked, particularly in developing countries and rural areas. For these individuals, cash remains an essential medium of exchange. Secondly, concerns about privacy and data security in electronic transactions persist. Cash offers a level of anonymity that many people value, especially in an age of increasing digital surveillance. Additionally, the reliability of electronic systems is not foolproof, as demonstrated by occasional outages in banking systems or power grids, during which cash serves as a crucial backup.

Moreover, cash holds cultural and psychological significance in many societies. The tangible nature of physical currency is deeply ingrained in human behavior and economic systems. For some, the act of handling cash provides a sense of control over their finances that digital alternatives may not replicate. There are also concerns about financial inclusion, as the elderly and technologically less savvy individuals might struggle to adapt to a purely digital system.

In conclusion, while the trend towards electronic payments is undeniable and will likely continue to grow, I believe that cash will retain its place in the global economy for the foreseeable future. A more realistic scenario is the coexistence of both cash and electronic payment methods, with the balance shifting gradually towards digital transactions. The complete phasing out of cash would require addressing significant technological, social, and economic challenges that are unlikely to be fully resolved in the near term.

Cashless society and digital payments future

Analysis of Band 8-9 Essay

This essay demonstrates the qualities expected of a high band score:

1. Task Response: The essay fully addresses all parts of the task, presenting a clear position with a balanced consideration of both sides.

2. Coherence and Cohesion: The ideas are logically organized with clear progression throughout. Each paragraph focuses on a specific aspect, and linking words are used effectively.

3. Lexical Resource: A wide range of vocabulary is used accurately and appropriately. Complex ideas are expressed with precision.

4. Grammatical Range and Accuracy: The essay employs a variety of complex structures with a high degree of accuracy. Errors are rare and do not impede communication.

5. Critical Thinking: The essay demonstrates sophisticated critical thinking by considering multiple perspectives and potential long-term implications.

Sample Essay 2: Band 6-7

The idea that cash will disappear and be replaced by electronic payments is becoming more popular these days. While I agree that electronic payments are increasing, I don’t think cash will completely go away in the near future.

It’s true that more people are using electronic payments now. We can see this with the rise of credit cards, online banking, and mobile payment apps. These methods are often more convenient than carrying cash. For example, in big cities, many people use their phones to pay for public transport or buy coffee. This trend is likely to continue as technology improves.

However, there are several reasons why cash might not disappear completely. First, not everyone has access to electronic payment methods. Some people, especially in poor or rural areas, still rely on cash for their daily needs. Also, some people prefer cash because they feel it’s more private. When you use electronic payments, there’s always a record of what you bought, which some people don’t like.

Another important point is that electronic systems can sometimes fail. If there’s a power outage or a problem with the internet, electronic payments might not work. In these situations, cash is still very useful. Cash is also helpful in emergencies when you might not have access to your bank account.

In conclusion, while electronic payments are becoming more common, I believe cash will still be around for a long time. It’s likely that both forms of payment will exist together, with people choosing whichever is more convenient for them in different situations.

Analysis of Band 6-7 Essay

This essay demonstrates the qualities expected of a mid-range band score:

1. Task Response: The essay addresses the main parts of the task and presents a clear position, though the ideas could be more fully developed.

2. Coherence and Cohesion: The essay is generally well-organized, with each paragraph focusing on a specific idea. However, the transitions between ideas could be smoother.

3. Lexical Resource: The vocabulary used is appropriate and adequate for the task, though there’s less sophistication compared to the Band 8-9 essay.

4. Grammatical Range and Accuracy: The essay uses a mix of simple and complex sentences with generally good control. There are some errors, but they don’t impede communication.

5. Critical Thinking: The essay shows some critical thinking by considering both sides of the argument, though the analysis is not as deep as in the higher band essay.

Electronic payment methods vs traditional cash

Key Vocabulary to Remember

1. Obsolete (adjective) – /ˌɒbsəˈliːt/ – no longer used or needed

2. Proliferation (noun) – /prəˌlɪfəˈreɪʃn/ – rapid increase in numbers

3. Unbanked (adjective) – /ʌnˈbæŋkt/ – not having access to banking services

4. Anonymity (noun) – /ˌænəˈnɪmɪti/ – the state of being anonymous

5. Tangible (adjective) – /ˈtændʒəbl/ – perceptible by touch

6. Eradication (noun) – /ɪˌrædɪˈkeɪʃn/ – complete destruction or removal

7. Prevalent (adjective) – /ˈprevələnt/ – widespread in a particular area or at a particular time

8. Foolproof (adjective) – /ˈfuːlpruːf/ – incapable of going wrong or being misused

Conclusion

The topic of phasing out cash payments is a complex and multifaceted issue that offers ample opportunities for discussion in IELTS Writing Task 2. As you prepare for your exam, consider practicing with similar topics such as:

1. The impact of digital currencies on traditional banking systems
2. The role of cash in ensuring financial privacy
3. The challenges of implementing a cashless society in developing countries
4. The potential economic effects of eliminating physical currency

Remember, the key to success in IELTS Writing Task 2 is to present a clear, well-structured argument supported by relevant examples and showcasing a range of vocabulary and grammatical structures. We encourage you to practice writing your own essay on this topic and share it in the comments section for feedback and discussion. This active engagement will significantly enhance your writing skills and prepare you for success in your IELTS exam.