Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 17 · 2026-11-11

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 6.0)

Advancement of technology has allow people to become digital in this contemporary world. While some people believe that all transactions are carried out with debit, credit card or banking applications, others argue that there are some people who still prefer to use traditional money for the payment. In my opinion, eventhough it is instant to perform cashless transaction, elder people are still using cash for safe and secure peyments.

One of the main reasons why people will not prefer to use cash in future is that it is convenient and time saving. In the past, each and everyone is waiting in long queue for their turn to withdraw money or pay the bills. In contrast, with the innovation of digital world, people are using debit card or mobile applications for paying bills. For instance, with the introduction of PhonePe- UPI payment platform, which allows to make instant transfers, mobile reachrge, and pay utility bills. As a result, no one has to visit bank or government offices for financial trasactions. This not only convenient to all consumers, merchants, and degital services to made payments but also saves their precious time.

On the other hand, there are elder people who might not feel comfortable to pay using samrtphones. This is because they find pretty much hard to understand the technology the way young adults have known. Additionally, they think physical money is safer than digital due to cyber fraud. With the advancement of digital technology, cybercrime has also increased and due to that elder people c not trust on online platforms. Hence, they still prefer to visit bank and perform all transactions. Fro example, soem elder hardly know their personal credentials, they might make mistake and hacker get an oppurtunity to breach the confidentiality and can steal the money. Therefore it is safe for those people who does not know technology very well.

In conclusion, although online payments offer conveniency and time-saving, I believe that old people are still prefer to use traditional money due to safety reason. It is recommended that people should use cash when it is neccessary and visit band to avoid fraud while paying larger amounts.

AI examiner evaluation

Task Achievement / Task Response: Band 6.0

You address both parts of the question: you give a view on cashless payments and explain why some people may resist them. Your position is that digital payments are convenient but older people may continue using cash because they feel it is safer. The examples of PhonePe and concerns about cyber fraud make the response relevant. However, the prediction about whether cash will eventually disappear is not fully clear: the introduction suggests older people will keep using cash, but the conclusion mainly recommends using cash when necessary rather than directly stating whether a cash-free future will happen. The convenience argument is also developed more fully than the reasons for resistance. State your prediction explicitly and extend the discussion of who else may be excluded or concerned, and why.

Coherence and Cohesion: Band 6.5

The response has a clear overall structure, with an introduction, two contrasting body paragraphs and a conclusion. The progression from the convenience of digital payments to older people’s concerns is easy to follow, and signposts such as “In contrast,” “On the other hand” and “In conclusion” help guide the reader. This organisation is effective, though some linking is mechanical and a few connections between ideas are unclear. For example, the first body paragraph begins by discussing why people will not prefer cash, but then explains why they will prefer digital payments. The final recommendation about visiting a bank also does not follow clearly from the concern about fraud. Make each paragraph’s main point consistent and use clearer references between claims and examples.

Lexical Resource: Band 5.5

You use a relevant range of vocabulary, including “transactions,” “innovation,” “cyber fraud,” “confidentiality” and “convenient,” which allows you to discuss the topic and its risks. However, inaccurate word choice, collocation and spelling are noticeable and sometimes make the reader pause. Examples include “traditional money for the payment,” “mobile reachrge,” “digital services to made payments” and “conveniency.” There are also misspellings such as “samrtphones,” “oppurtunity” and “neccessary.” These errors limit the precision of your vocabulary even though the main meaning is generally understandable. Check spelling carefully and learn common combinations such as “make payments,” “save time” and “online transactions”; choose familiar, accurate wording rather than forcing less natural expressions.

Grammatical Range and Accuracy: Band 5.5

You attempt both simple and complex sentence forms, including a contrast clause beginning “While some people believe…” and a cause-and-effect sentence beginning “This is because…”. These structures help you explain your ideas, but some errors in verb forms, agreement, articles and sentence construction remain. For example, “Advancement of technology has allow” needs a correctly formed verb, while “old people are still prefer” combines incompatible verb forms. In “This not only convenient,” the sentence is missing a verb, and “people who does not know” has a subject–verb agreement error. The sentence beginning “For instance, with the introduction…” is also a fragment. Review verb patterns and agreement, and ensure every sentence has a complete main clause while retaining your attempts at complex structures.

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