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  3. The invention of smart-phones and their relevant technologies have disrupted the minutiae (细节) of daily life, from our commutes

The invention of smart-phones and their relevant technologies have disrupted the minutiae (细节) of daily life, from our commutes

admin2020-08-17  10
问题 The invention of smart-phones and their relevant technologies have disrupted the minutiae (细节) of daily life, from our commutes to our school education to the ways we share family photo. The prime example in China is that Ali-pay or We-chat payment almost revolutionized our lifestyles to such a degree that we are getting excessively addicted to or over reliant on the use of smart-phones. Some people have started to question the negative effects of Ali-pay or We-chat payment and have claimed that the online shopping, though quick and convenient, may produce an impact on the traditional industries like banking and retailing industries.
What do you think are positive or negative effects of use of Ali-pay or We-chat payment on our life styles? Write a composition of about 400 words expressing your own opinions. You should use your own ideas, knowledge or experience to generate support your argument.
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答案 A Double-edged Sword—E-payment Nowadays the relevant technologies of smartphones have greatly affected our lifestyle, especially the wide use of Alipay and WeChat payment. There is no denying that the new way of payment has overturned people’s traditional views and has boosted trade. However, as the saying goes, "every coin has two sides". That goes with e-payment which is also like a double-edged sword. On the one hand, e-payment could be negative. First of all, e-payment along with online shopping impacts greatly on a large number of physical stores. Because products online are cheaper and more abundant, consumers dislike offline shopping. Besides, Alipay and WeChat payments may encourage unreasonable consumption. E-payment supports various ways enabling people to " buy now and pay later" and people no longer need to use cash, which reduces the pain of paying. Thus, people may buy goods they don’t need or beyond the enduring capability of their wallets. At length, Alipay and WeChat payments would cause privacy disclosure. For example, to attract desired customers, some businesses encourage people to use Alipay or WeChat payments by offering discounts or coupons. In order to obtain these discounts or coupons, users may have to give away their private information, such as their names, addresses or phone numbers, which would put their privacy at risk. On the other hand, e-payment also has many positive effects. Above all, shopping becomes less troublesome and more effective. Since consumers no longer need to withdraw cash and bring small change, e-payment through QR code saves more time when consumers settle accounts. Next, as Alipay and WeChat payments enable people to shop online, consumers could be provided with more products suitable for them because the mobile application could record the browsing and purchase history of every customer. These records could be collected and analyzed through big data, and then the shopping websites would recommend commodities for consumers according to their consumption habits. Last but not least, as e-payment supports excessive consumption, people can get some help when they are badly in need of money. For example, if one wants to buy necessary products, he can achieve his goal through e-payment even he doesn’t have enough cash now. To sum up, Alipay and WeChat payments are the products of economic development, and they have advantages and disadvantages. I believe mobile payment can play a more important role if people can make the best use of its advantages and bypass the disadvantages. After all, it’s just a tool.
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