Band 5.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 5.0 · Cambridge IELTS 17 · 2026-11-08

IELTS Writing Task 2 question

In the future, people may no longer be able to pay for things in shops using cash. All payments may have to be made by card or using phones. Do you think this will happen one day? Why do you think some people might not be happy to give up using cash?

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

 

Student answer (Band 5.0)

Since the beginning of the human being the technology has played a crucial role in trading as well as the daily transactions between the individuals across the globe.

Actually this is not a future phenomenon, it's actually happened since 2001. united kingdom and the western countries as they took the advantage of the communications technology that has facilitated the their daily payment .for instance, most of the banks in united kingdom has launched at the ATM machines along with the withdral machine at the shops and malls to ease the payment process ,alos governments has already invested in technology from the AM till the mobile payment application Because it ease the process of money tracking .

In the other hand you can easily see that some people are encountering an issue in using this technology, especially for the oldery people as to see it as an obstacle , this technologyThey are not able to full fully adapt the new era of payment process using the smartphones and the bank cards. For an example, my grandmother doesn't like to use the ATM card or mobile instead of using them, she prefers having cash and hair pocket.

To sum up, even though we are living in the era of cashless, we still encountering an issue with some people. They are not fully capable to adapt the chance in the financial transactions. And we have adopted them properly.use this technology for sure needs launching awareness campaign or proceeding with the some discount.

AI examiner evaluation

Task Achievement / Task Response: Band 5.0

You address both parts of the prompt: you suggest that cashless payments are already becoming common and explain that older people may struggle to adapt, supported by the example of your grandmother. However, the response only partially develops the task. The claim that cashless payment has effectively happened since 2001 is not clearly tied to whether cash will disappear entirely in the future, and the reasons some people resist giving up cash are limited mainly to difficulty using technology. The conclusion introduces awareness campaigns and discounts without explaining how these would help. The response is also one word below the required minimum. Develop a clear prediction and add distinct reasons, such as privacy concerns or unreliable access to phones and banking.

Coherence and Cohesion: Band 5.0

There is a basic overall structure: an opening, discussion of cashless payments, a paragraph about older users, and a conclusion. The example about your grandmother also gives the reader a concrete point to follow. However, progression between ideas is not consistently clear, and some linking expressions are inaccurate or mechanical. For example, “In the other hand” does not correctly signal contrast, while “To sum up” is followed by ideas that are difficult to connect to the preceding discussion. Several sentences run together, such as the passage beginning “this technologyThey are not able,” which interrupts the flow. Use clear paragraph boundaries and connect each paragraph to one main point, with accurate transitions and references.

Lexical Resource: Band 5.0

You attempt vocabulary relevant to the topic, including “daily transactions,” “mobile payment application,” “financial transactions,” and “awareness campaign.” These choices show an effort to discuss technology and payment systems rather than relying only on basic terms. However, the range is limited and errors in word choice, spelling, and collocation sometimes make the meaning difficult to follow. Examples include “the oldery people,” “hair pocket,” “withdral machine,” and “ease the payment process.” Some phrases, such as “cashless” and “the chance in the financial transactions,” are imprecise in context. Build a more accurate set of topic phrases and check spelling and natural word combinations; for instance, use “older people,” “keep cash in her pocket,” and “change in payment methods.”

Grammatical Range and Accuracy: Band 5.0

You attempt both simple and more extended sentence forms, including a reason clause beginning “Because it ease the process of money tracking” and a contrast introduced by “even though.” However, the range is limited, and complex attempts are often faulty. Errors in agreement and verb forms appear in “the technology has played” after “Since the beginning,” “most of the banks … has launched,” and “we still encountering.” Articles and sentence boundaries are also problematic, as in “the communications technology” and the run-on passage “this technologyThey are not able.” These frequent errors can make relationships between ideas hard to understand. Practise forming complete sentences with a clear subject and verb, then check agreement, tense, articles, and punctuation.

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