Band 6.5 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.5 · Cambridge IELTS 15 · 2026-07-30

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)

In today's world of technology, many people are encouraged to use various online methods of payment and its becoming popular among folks. Some people says its beneficial while other highlites its demerits first. In the following paragraphs both advantages and disadvantages of this notion will be discussed along with suitable conclusion.

Initiating with the advantages of the above statement, it is true that with the development of new transaction methods it reduce the risk of loosing cash. For example with the use of online banking transferring money to other account become more easy and there is no need to carry money or cards now with the use of technology. Moreover, its fast and convinient way of paying for goods or purchased from shop, while it saves time of both customers and the shopkeeper which they spend on handeling cash and counting in the days end. Whereas, digital payment methods are more secure through PINS and biometric authentication while paying.

On the darker side, there are some drawbacks of these which make it problematic are firstly, there is high risk of cybercrime, hacking and online fraud through various ways. For example, cyber criminals can vanish your all money from account with just one wrong click on any spam messages or links. Secondly, privacy concerns are also higher due the collection of personal information online. Furthermore, older people find difficulties in

Using online transaction methods fast but not least, there is always risk of losing access to money if the phone is lost or stolen and even if server is down due to internet connection.

In conclusion, to the above statement, neither its pros can be neglected nor its icons. its mix bag of positives and negatives. In my opinion, one should use these app according to their requirements and try to secure there information from other to prevent.

AI examiner evaluation

Task Achievement / Task Response — Band 6.5

The response addresses all parts of the task by discussing both advantages and disadvantages of mobile payment apps. The position is clear, although the conclusion is somewhat underdeveloped. The ideas are relevant, such as the convenience of not carrying cash and the risks of cybercrime. However, some points, particularly the mention of older people, are left as an incomplete sentence, which limits the development of that specific argument. To reach a higher band, ensure that every point introduced is fully explained with a complete sentence structure and a clear link back to the main argument.

Coherence and Cohesion — Band 6.5

The essay is organized into logical paragraphs, with a clear introduction, body paragraphs, and a conclusion. Cohesive devices such as 'Moreover', 'On the darker side', and 'Furthermore' are used to signal the progression of ideas. However, the flow is occasionally disrupted by grammatical errors and incomplete sentences, such as the break in the paragraph regarding older people. Referencing is generally clear, but the transition between the final point about server issues and the conclusion feels abrupt. Improving the consistency of these transitions and ensuring all sentences are complete would enhance the overall coherence.

Lexical Resource — Band 6.5

The vocabulary is adequate for the task, allowing the student to express ideas clearly. There are attempts to use topic-specific vocabulary like 'biometric authentication', 'cybercrime', and 'transaction methods'. However, there are several word-choice errors and spelling mistakes, such as 'loosing' instead of 'losing', 'convinient' instead of 'convenient', and 'icons' instead of 'cons'. These errors do not impede communication, but they indicate a need for more careful proofreading and a wider range of precise vocabulary to move into the higher bands.

Grammatical Range and Accuracy — Band 6.0

The response uses a mix of simple and complex sentence structures. While the meaning is generally clear, there are frequent grammatical errors, including subject-verb agreement issues ('Some people says', 'it reduce') and missing articles or prepositions ('at the days end', 'due the collection'). Punctuation is also inconsistent, particularly with the use of commas. The sentence fragment 'older people find difficulties in Using online transaction methods fast but not least' significantly impacts the grammatical flow. To improve, focus on basic subject-verb agreement and ensuring that complex sentences are constructed with correct syntax.

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