IELTS Writing Task 2 sample answer (band score 8-9)
IELTS Essay # 1343 - People may no longer be able to pay for things using cash
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IELTS Writing Task 2/ IELTS Essay:
You should spend about 40 minutes on this task.
Write about the following topic:
In the future, people may no longer be able to pay for things in shops using cash. All payments may have to be made by card or using phones.
Do you think this will happen one day?
Why do you think some people might not be happy to give up using cash?
Give reasons for your answer and include any relevant examples from your own knowledge or experience.
Write at least 250 words.
Model Answer 1:
The possibility of a future where cash will no longer be accepted at stores as a payment method has long been a subject of intense debate. In this essay, we will explore why such a scenario is plausible, and the potential reasons why some individuals may be reluctant to abandon the use of cash.
The rapid advancement of technology and changing consumer preferences make it increasingly plausible that cashless transactions will dominate in the future. With the rise of digital payment methods, such as cards and mobile payments, cash transactions have already seen a decline in many parts of the world. Scandinavian countries, such as Sweden, have made significant strides in becoming cashless societies. Many establishments, including public transportation and small businesses, now only accept digital payments. The convenience, speed, and security offered by cashless transactions have led to a seamless and efficient payment experience for both consumers and businesses. It validates the forecast that we will indeed live in a cashless society in the future.
Despite the potential benefits of a cashless society, some people may be hesitant to abandon the use of cash due to various reasons. One significant concern is the issue of privacy and data security. Digital transactions leave a trail of personal information, raising apprehensions about data breaches and unauthorized access to sensitive financial details. In some countries, particularly among the older population, there is a sense of mistrust towards digital platforms and fear of falling victim to cyber fraud. For these individuals, cash offers a tangible and anonymous mode of payment, providing a sense of security and control over their financial transactions. Additionally, cashless systems may inadvertently exclude individuals who do not have access to digital technology or who face barriers to technology adoption, leading to concerns of financial exclusion and marginalisation.
In conclusion, the transition to a cashless society seems inevitable given the rapid pace of technological advancements. However, some individuals may be reluctant to embrace this change due to concerns surrounding data privacy and potential financial exclusion.
Model Answer 2:
In recent years, cashless transactions have gained popularity, with many individuals opting for digital payments through cards or mobile apps. This trend raises the possibility that, in the future, physical cash may become obsolete, making digital payments the sole method of financial exchange. In my opinion, this scenario is highly probable due to rapid technological advancements and increasing convenience. However, some individuals may resist this change due to concerns over privacy and accessibility.
One key reason why a cashless society is likely to become a reality is the global shift towards digitalisation. Governments and financial institutions are actively promoting electronic transactions due to their efficiency and ability to reduce fraud. Furthermore, major economies are already witnessing a significant decline in cash usage, with countries like Sweden and China leading the way in digital payments. For example, in Sweden, only a small percentage of transactions involve cash, as most businesses prefer mobile and card payments. Given this trajectory, it is reasonable to expect that other nations will follow suit, eventually eliminating cash altogether.
Despite the convenience, some individuals may be reluctant to abandon physical currency. One major concern is privacy, as digital payments can be tracked, potentially compromising financial autonomy. Many people value cash transactions precisely because they offer anonymity. Additionally, some individuals, particularly the elderly and those without access to banking services, may struggle with adapting to digital systems. For instance, in rural areas of developing nations, where banking infrastructure is limited, cash remains the most practical and accessible means of conducting transactions.
In conclusion, the transition to a fully cashless society appears inevitable due to technological advancements and changing consumer habits. However, resistance will persist among those who prioritise financial privacy and those with limited access to digital and mobile banking.
Idea Generation for this IELTS Essay:
Essay Question:
In the future, people may no longer be able to pay for things in shops using cash. All payments may have to be made by card or using phones.
Do you think this will happen one day?
Why do you think some people might not be happy to give up using cash?
Essay Type:
Double Question Essay.
Main question:
Will cash eventually become obsolete, and why might some people resist this change?
Why a fully cashless society is highly likely:
Global shift towards digital payments:
Many countries are actively promoting cashless transactions due to their efficiency and security. Governments and financial institutions encourage digital payments to reduce tax evasion and streamline economic operations. For example, Sweden is already close to becoming a fully cashless society, with most businesses refusing cash payments.
Technological advancements make cash unnecessary:
The rise of mobile banking, contactless payments, and blockchain technology is making physical cash redundant. Digital wallets and biometric authentication ensure fast and secure transactions. For example, in China, mobile payment platforms like WeChat Pay and Alipay dominate daily transactions, making cash almost obsolete.
Convenience for businesses and individuals:
Electronic payments reduce the costs associated with handling cash, such as security risks and counterfeit money. Consumers also benefit from faster transactions and reward programs. For example, large retailers and small businesses alike prefer digital transactions to minimize cash-handling risks and improve efficiency.
Governments pushing for financial transparency:
A cashless economy helps authorities track financial activities, reducing corruption, money laundering, and tax evasion. For example, India introduced digital payment incentives after demonetization to promote cashless transactions and curb black money.
Reduction in crime and theft:
Without physical cash, street crimes like theft and robbery decline significantly. Digital transactions also provide a secure way to store and transfer money. For example, businesses in cashless economies report fewer burglary incidents since thieves have no cash to steal.
Why some people might not want to give up using cash:
Privacy concerns:
Digital payments leave a financial trail, raising concerns about surveillance and data security. Many people prefer cash for anonymous transactions. For example, individuals involved in small, informal businesses or personal dealings often prefer cash to avoid unnecessary scrutiny.
Exclusion of elderly and underprivileged groups:
Not everyone has access to digital banking or smartphones. The elderly and those in rural areas may struggle to adapt to a cashless system. For example, in developing countries, many people lack bank accounts and rely solely on cash transactions.
Technical failures and cyber risks:
Digital payment systems are vulnerable to cyberattacks, technical failures, and outages. In such cases, cash serves as a reliable backup. For example, businesses in urban areas often experience payment terminal failures, making cash an essential alternative.
Dependence on financial institutions:
A fully cashless society increases reliance on banks and payment processors, limiting financial independence. If these institutions impose fees or restrictions, consumers have little choice. For example, transaction fees on digital payments can add up, making small purchases more expensive over time.
Cash is culturally significant:
In many societies, cash plays an important role in traditions, gifting, and daily transactions. Removing it could disrupt established customs. For example, in countries like Japan, cash gifts are an essential part of ceremonies like weddings and New Year celebrations.
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