Band 7.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 7.0 · Cambridge IELTS 17 · 2026-07-26

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 7.0)

Nowadays, it has been witnessed that the lifestyle of living has changed significantly. In this modernized era, people prefer to pay by cards or using phones instead of paying cash in shops. This will fairly going to be happened one day. There are various benefits of paying by cards like transparency, safety and security, verified accounts. On the other hand, some people might not be happy because of illiteracy, increase in number of cyber frauds.

On the one hand, one of the most significant benefits of paying by cards or using phone is transparency. It is based on the belief that there will be no illegal money, all the money should directly be deposited in their accounts. In addition, there is no hidden charges and money will directly reached to the recipient account. Moreover, all accounts are fully verified and secured by following KYC norms. For instance, when people pay cash, sometimes the currency is forge and the shopkeeper do not have any identity to find such customer for his payment, but if payment went directly to bank then it safe and secure.

On the other hand, some people assert that it will lead to cyber fraud. If all money is in digital form then there will be more cyber fraud. For example, hackers do not have any identity, with simple programming they can withdraw money from your account without any trace. Furthermore, senior citizens are not familiar with the advancement of technology. They hinder using smart technology and it is arduous for them to learn in old age. They want to stuck with their old methods of dealing with money.

In conclusion, although there are some demerits of digital money like cyber fraud and illiteracy of information technology but with the advancement of technology it is crucial to accept new methods of payment because it allows us transparency, security and allows us to move towards the sustainable future.

AI examiner evaluation

Task Achievement / Task Response — Band 7.0

The response addresses both parts of the prompt: the likelihood of a cashless society and the reasons for public resistance. The position is clear from the introduction. However, the development of ideas is somewhat limited. For instance, the point about 'illiteracy' is mentioned but not fully explained in the context of digital payments. The argument regarding cyber fraud is relevant, but the examples provided are generic. To reach a higher band, you should expand on the 'why' behind these points with more specific, nuanced reasoning. Overall, the response is relevant and covers all requirements of the task.

Coherence and Cohesion — Band 7.0

The essay is logically organized into clear paragraphs, each with a distinct focus. Cohesive devices such as 'On the one hand', 'In addition', and 'Furthermore' are used to guide the reader. However, some transitions feel a bit mechanical, and there are instances where the flow is slightly disrupted by grammatical errors, such as 'This will fairly going to be happened one day'. Referencing is generally clear, but the connection between sentences could be smoother to improve the overall progression of ideas.

Lexical Resource — Band 6.5

You demonstrate an adequate range of vocabulary for the task, using terms like 'transparency', 'cyber fraud', and 'sustainable future'. However, there are several instances of awkward word choice and collocation errors, such as 'lifestyle of living', 'currency is forge' (should be 'forged'), and 'they hinder using smart technology'. These errors do not impede communication, but they do limit the precision of your expression. To improve, focus on learning common collocations and ensuring word forms are used correctly in context.

Grammatical Range and Accuracy — Band 6.5

The essay uses a mix of simple and complex sentence structures. While you attempt complex sentences, there are frequent errors in grammar and punctuation. Examples include 'This will fairly going to be happened', 'money will directly reached', and 'the shopkeeper do not have'. These errors are noticeable and occasionally distract the reader. While the meaning remains clear, the control over complex structures is inconsistent. Increasing your accuracy in verb tenses and subject-verb agreement will significantly improve your score.

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