推廣電子支付是讓消費者有更方便支付環境，未來帶手機就可以到處支付，不用帶現金；以下我們請來兩位學生對電子支付的不同意見，讓大家更了解電子支付能帶來的種種體驗。
The advancement in technology has transformed the way people live, including the way we pay. Write an article for your school newspaper giving two reasons why using e-payment is popular in Hong Kong. You should also explain why going cashless is not good. Give a title to your article.
Dangers of using e-payment
Nowadays, the advancement in technology has transformed the way people live such as the way we pay. Many people choose to use Octopus cards, credit cards or bank cards to pay for services or products. In fact, using e-payment seems to be indispensable in Hong Kong.
One of the reasons why e-payment become popular in Hong Kong is that they allow more effective and efficient transactions. Transactions can be made in seconds with one-click, without wasting customers’ time. It makes transactions become speedy and simple. It will also lead to more sales because this simplifies and speeds up the transaction process. Also, the use of e-payment system brings convenience to customers. Customers can pay for items on websites any time anywhere. All they need are a gadget and the Internet connection.
Another reason for e-payment to be popular is that it is safe. Payment gateways and payment providers offer highly effective security and anti-fraud tools to ensure the reliability of the system. If someone steal others’ ccounts and use them to buy items on the Internet, the police can use special software and electronic equipment to track their IP address and locate the criminals. Also, it is easy for customers to check their virtual accounts and transaction history using their mobile phones or computers to see if there are any suspicious records. This facilitates trading and protects the assets of consumers.
Although e-payment brings many benefits, this system is not flawless. It still has many deadly disadvantages like lacking of anonymity and having risks of leaking sensitive data. For instance, if customers want to use e-payment, he has to use the Internet to connect his account to the e-payment system and the shops must be equipped with special electronic equipment. Our personal information is stored in the payment system’s database. It means there is a risk of information leak. Moreover, when a merchant selects an unsafe payment system, it may lead to the disclosure of sensitive data and identity theft. Criminals may hack into the e-payment system and get access to confidential information. Thus, e-payment is in fact a double-sided blade.
To conclude, e-payment provides a range of benefits to businessmen and clients while posing certain security risks. As wise customers, we should be careful when using e-payment and avoid data leakage.
Fu Nai Tin 4A
