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Coins and paper money will soon be replaced by credit and bank cards


You should spend about 40 minutes on this task.

Present a written argument or case to an educated reader with no specialist knowledge.

Write about the following topic:

Coins and paper money will soon be replaced by credit and bank cards. Eventually, we will have a cashless society which will be safer and more convenient for everyone. To what extent do you agree or disagree?

Give reasons for your answer and include any relevant examples from your own knowledge or experience.

Write at least 250 words.

Sample Answer:

In today’s modern world, the use of credit and bank cards has become increasingly prevalent, leading some to believe that coins and paper money will soon be replaced entirely. While it is true that a cashless society offers certain advantages in terms of safety and convenience, I believe that it is unlikely to completely replace physical currency in the near future.

There is no denying that credit and bank cards offer a level of security that cash cannot match. With the rise of digital payment systems and advanced encryption technology, the risk of theft and fraud associated with carrying physical currency is significantly reduced. In addition, the convenience of being able to make purchases with a simple swipe or tap of a card cannot be overstated. Gone are the days of fumbling for exact change or worrying about carrying large sums of money.

However, the idea of a completely cashless society raises some concerns. For one, not everyone has access to the technology required to make digital payments. In many parts of the world, particularly in developing countries, cash remains the primary form of currency. Additionally, there are certain transactions, such as small-scale purchases or transactions between individuals, where cash is still the preferred method of payment.

Furthermore, the shift towards a cashless society raises questions about privacy and security. With every transaction being recorded and tracked, there is the potential for increased surveillance and data breaches. This could lead to a loss of financial autonomy and personal freedom for individuals.

In conclusion, while the prevalence of credit and bank cards is undeniable, I do not believe that physical currency will be entirely replaced in the near future. While a cashless society offers certain benefits in terms of safety and convenience, there are still significant barriers and concerns that need to be addressed. As technology continues to advance, it is important to consider the implications of a cashless society and strive for a balance between digital and physical forms of currency.

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