Band 6.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.5 · Cambridge IELTS 15 · 2026-11-10

IELTS Writing Task 2 question

In many countries, paying for things using mobile phone (cellphone) apps is becoming increasingly common. Does this development have more advantages or more disadvantages?

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

Student answer (Band 6.5)

Paying bills from cell phone applications is becoming more popular in many nations. More and more people nowadays use mobile phone apps instead of carrying cash. I believe that individuals who pay from those apps has more benefits than drawbakcs.

One significant benefit of paying bills from mobile apps is conveniency. Digital payment allow people to scan the barcodes and pay the bill in seconds without any hustle of counting cash. It provides receipt on individual's phone so, they can keep eye on their budget. Besides this, people do not need to carry cash, thus they feel free as they feel more lighter than heavy pockets. For example, becuase of advance technology many large malls use gpay, phone pay, and other applications for their businesses as it is more convenient and quick option. As a result, citizens use mobile applications to avoid long queue and to track their transaction.

There are also some drawbacks of using mobile applications. One major drawback is digital crime. Nowadays cyber crime is a serious concern as many individuals get attack in their text, emails, and links where they ask for OTP password and they get trapped. Due to their promotional offers and discounts people often get involved in those activities which increases crime rate. Also, digital payments usually links to person's private information which way criminal take advantage of their privacy. Hence, due to digital crime and privacy issues many people avoid using mobile applications.

In conclusion, It is true that people using mobile applications to pay their bills has increased significantly. Although it has some drawbacks such as security concern, it has more advantages like quick payment and easy transactions allow people sense of comfort.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear: you judge mobile payments to have more advantages, and the essay addresses both benefits and drawbacks. The convenience paragraph gives relevant support through quick barcode payments, receipts for budgeting, and the example of malls accepting payment apps. You also identify genuine concerns about scams and privacy. This covers the task well, while the explanation of the disadvantages is less fully developed: the discussion of promotional offers and crime is unclear, and the essay does not explain how these risks compare in importance with the benefits. To strengthen the response, develop each main point with a clearer cause-and-effect explanation or a specific example, and make the final comparison more explicit.

Coherence and Cohesion: Band 7.0

The essay has a clear overall structure: an introduction states your view, separate body paragraphs discuss advantages and disadvantages, and the conclusion restates your position. Ideas generally progress logically, and linking expressions such as “Besides this,” “As a result,” and “In conclusion” help guide the reader. Some connections are less clear or slightly mechanical, particularly the move from promotional offers to increased crime, and “Hence” introduces a conclusion that repeats the preceding point rather than extending it. The conclusion also combines several ideas in one sentence, making the final comparison less smooth. Use referencing more precisely and connect each example directly to the claim it supports; this would make the progression more consistently fluent.

Lexical Resource: Band 6.0

You use an adequate range of vocabulary for the topic, including “digital payment,” “cyber crime,” “privacy issues,” “transaction,” and “convenient.” These terms make your main points understandable, and you attempt some topic-specific language. However, several word-choice, collocation, and spelling errors reduce precision: “conveniency” is not the natural noun here, “without any hustle” is an inaccurate expression, and “get attack in their text” does not clearly describe the scam. There are also spelling errors such as “drawbakcs” and “becuase.” Aim for accurate, natural combinations such as “ease of use,” “without the hassle,” and “receive fraudulent messages.” Proofreading spelling and choosing precise phrases would make your vocabulary more effective.

Grammatical Range and Accuracy: Band 5.5

You use a mix of simple and complex sentence forms, including clauses introduced by “as,” “which,” and “although.” Most ideas remain understandable, but some grammatical errors recur. For example, “individuals who pay from those apps has” has a subject–verb agreement error, while “Digital payment allow” and “digital payments usually links” also need agreement. Articles and possessives are sometimes missing or misplaced, as in “It provides receipt on individual's phone.” The final sentence has an unclear structure: “quick payment and easy transactions allow people sense of comfort.” Work on agreement, articles, and complete sentence patterns, especially when joining several ideas. More accurate control of these forms would make the range you attempt clearer and more reliable.

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