Band 6.0 IELTS Writing Task 2 Model Answer

Overall Band Score: 6.0 · Cambridge IELTS 17 · 2026-10-07

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)

It is becoming increasingly common for people to pay for good and services using cards or mobile phone instead of cash. Although in perspective that cash payments will become much less common in the future but it will not disappear completely which will be elaborated in the essay, citing relevant examples.

Examining the reason to pay by card and phone the most significant one is that, paying by card or smartphone is generally faster and more convenience than carrying cash. This means, people do not have carrying wallet or cash notes for anywhere. Furthermore, digital payments allow people to manage their finance more easily. In other words, people have transection records or history of their payments through baking application. One of the example, In India people using "GPAY" app for online payment however, this app can provide records of their bank transections and you can also check your account balance within a second.

On contrary, some people may not be comfortable with a completely cashless society. To initiate with, some region have a network issue and low network connectivity at that time you have to pay cash. This is to say, that digital technology may find complicated and create unnecessary issues. Moreover, some people also prefer cash because it help them monitor their spending and gives them a greater sense of privacy. Beside this, technological devices are hacked by many people who are expert in data analysis so people feel insecure about their bank details may leak. To illustrate, as per the report of cyber crime authority 30% to 40% Indian people suffering from online fraud who are using digital platforms for payment.

To conclude, my advocacy support that digital payments are easy and more convenience and help to record or transection history and verified your bank balance quickly however, cash payment not completely disappear due to no internet connection at some place and increasing number of cyber crime fraud.

AI examiner evaluation

Task Achievement / Task Response: Band 6.5

Your position is clear: cash use will decline, but cash will not disappear entirely. You address both parts of the prompt, explaining the convenience and record-keeping benefits of digital payments, then giving reasons for resistance, including poor connectivity, privacy and fraud concerns. The India examples make the discussion relevant. This meets the task well, but the two sides are not equally developed: the benefits receive more explanation, while the reasons some people prefer cash are listed more briefly. The claim about online fraud would be stronger if you explained how it affects people’s willingness to use digital payments. Develop each main reason with a clearer consequence or example to make the response more fully supported.

Coherence and Cohesion: Band 6.5

The response has a clear overall structure: an introduction, a paragraph on digital-payment benefits, a paragraph on concerns, and a conclusion. The progression from advantages to disadvantages is easy to follow, and signposts such as “Furthermore,” “Moreover” and “To conclude” help guide the reader. However, some linking phrases feel mechanical or do not express the relationship accurately, including “On contrary” and “To initiate with.” The conclusion also repeats several points rather than synthesising the argument. Some references, such as “this app” and “that time,” could be clearer. Use fewer formulaic transitions and connect each sentence more directly to the idea before it.

Lexical Resource: Band 5.5

You use relevant vocabulary for the topic, including “cashless society,” “network connectivity,” “privacy,” “bank details” and “online fraud.” These choices show an attempt to discuss the issue beyond basic terms. However, inaccurate word forms, spelling and collocations are noticeable and sometimes make the meaning less natural: “good and services,” “more convenience,” “transection records,” “baking application” and “cyber crime fraud.” Some phrases are also imprecise, such as “people have to pay cash” when connectivity fails. Aim for accurate, natural combinations and check spelling carefully. A smaller set of well-controlled terms will communicate your ideas more effectively than repeated or incorrectly formed expressions.

Grammatical Range and Accuracy: Band 5.0

You attempt a mix of simple and complex sentences, including a concession in the opening and explanatory clauses such as “This means…” and “In other words…”. The main ideas are generally understandable, but errors occur across sentence structures, verb forms, agreement, articles and punctuation. For example, “people do not have carrying” needs a different verb pattern, while “some region have” has a number-agreement problem. The opening sentence also combines clauses awkwardly, and several sentences are joined with commas where clearer sentence boundaries are needed. Practise building accurate subject–verb–object sentences first, then add subordinate clauses. Proofread specifically for agreement, articles and complete sentence structure.

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