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Yes , i think a cashless society would change the way I spend money . Firstly this is because , when we are using mobile payments , such as “paylah” or “pay now” .The exact amount of  spendings will  be shown on the screen itself . We are able to monitor our spendings more easily , with the accurate numbers on the screen . We do not have to count the stacks of cash or heavy loads of coins. This way i am able to monitor my spending more easily on the device with the precise amount of spending i have left or spent and allow me to control my overall spending daily . Secondly, when i am given the authority to spend the money in my device, it will become an addiction sooner or later, indeed it is convenient , however once we get too use to it we tend to overspend .cashless society speed up every actions through payment , therefore we ignored the amount of money we spend on the specific item which include gst or so. Thus, cashless society would change the way i spend my money , however once we rely heavily on digital payment or cards payment we would tend to over spend our money with no self control.

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I think a cashless society would change the way i spend my money.
Online products are mostly closer to what we wanted.when we buy online we can get the products we want by searching .
In the real life,cashless will be better as we do not need to touch the money and the virus will not be transmitted through money

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If I were in the queue in the video, I would feel frustrated and annoyed. This is because I would not want to wait hours standing as it can be tiring and I am not that patient to wait so long for a small thing. Personally, I have experienced something like this when I was travelling to other countries. As at that time was the December holidays and everyone wanted to travel, it was really crowded even when checking in just to get into the lounge.

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I disagree that it is safer having the money in the bank. This is because we are not sure when our bank account might be hacked with the advancement of technology nowadays people can hack our accounts any time.
Firstly, hackers can easily hack into our bank accounts with the help of technology and take away all our money that is in the bank.
Secondly, with the rise in the number of scammers, people often get scammed without knowing and their money will be lost.
hence, i disagree that having the money in the bank is safer

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I agree that using cash all the time is safer than using internet banking. Firstly this is because nowadays there are a lot of hackers that could easily hack into our accounts and take the money from us secondly because example when USA had an election and trump won it was said that russia had hacked into the USA voting system and made trump won as if trump won usa will go down.Therrefore i feel that using cash then internet banking is safer.

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yes. A cashless society would change the way i spend as i would spend nore money than usual. This i because with cash i can see how much i have left and that will cause me to limit my spending to essential items and for me to spend wisely. However, with a card for example i would not be able to see the physica  amount of money i have left and after spending i would see a few thousan  dollars in it. This would make me involuntarily spend more and less wisely as i would not see the physical amount of cosh i have.

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I would feel agitated, annoyed even because I’m not a very patient person, long queues tend to turn me off, give up and just wait for another day, and then again, i would have known it would have been a rare occasion when the queues are short, so not much luck for me, i just dislike queues a lot, and since Singapore is tiny, theres not much places i can go to, and the queues tend to be really really long.

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Indeed it does, a cashless society will give me way more freedom in spending money, no more digging of wallets, no more empty pockets, with everything stored in a phone or a credit card, paying things is much more easier, but it comes with disadvantages, since it does affect my way of spending, its going to make me overspend a lot, since its cashless and all of the money is stored on my phone or card, suddenly i will have no control over my budget and just have the urge to spend everything, whereas if i spend money normally, at least i can control, so yes, a cashless society does change the way i spend money, and its for the worst.

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I agree that using cash all the time is safer than using internet banking.
Firstly, the use of internet banking is not fully safe as hackers or app malfunctions tend to occur frequently. Due to problems like this occuring, our hard earned money can easily be swept off.  For example, our internet banking can mulfunction due to a hacker trying to hack into our accounts thus our accounts will be on hold. If one that day we are in urgent need of money, it will he diffeicult for us to retrieve it from our bank accounts. Secondly, using cash all the time is safer because we are in full responsibility for it. Since we are responsible for  it, it is easier for us to separate them for leisure, bills and debts. For example, we are on track upon knowing our expenses without the help of the banks. Also, banks would take some fo our money as a way for us to pay them for keeping our money “safely”. Therefore, using cash all the time is safer than using internet banking.

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I agree that using cash all the time is safer than using internet banking.
Firstly, paying with cash protects our money and personal information from security breaches. It is because, when paying by cash, there is no personal information or details involved in the process. The customers will hand over the cash themselves, so there is no risk of personal data or account theft when paying with cash. Secondly, when paying using cash, the potential of being asked about our email address or phone number is less. This will cut down some of the email marketing hence information cannot be stolen in data breach. Retailers often ask for additional information for their telemarketing. By paying cash, it can avoid any of this situation to happen. Therefore, I think that using cash all the time is safer than using internet banking as there will be no security breaches and have less marketing going on.

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Yes, I think a cashless society would change the way I spend my money. Firstly, this is because in a cashless society, it would mean that cash would be replaced with credit cards or the virtual credit cards located on our phone. For credit cards, the credit limit is substantially larger than the amount of cash you can physically hold. This means that I would be spending enormous amounts of money than what I would be spending if I had cash with me. For example, if I were to go to an electronics store, with a single credit card I can purchase products worth thousands of dollars. However, if I brought cash into the store, it allows me to be more conscientious about what I would buy, giving myself a more realistic approach of what would happen if I bought something expensive as opposed to buying expensive items with a plastic card. Secondly, credit cards have much more favourable benefits compared to cash. With paybacks and discounts, it makes me more willing to spend more money on items which enforces my spending reasons. Whereas for cash, there are rarely no discounts meaning that I will spend less money. Therefore,  cashless society would change the way I spend my money as I spend substantially more money with credit cards instead of cash, adding the limit on the credit card gives me more reasons to purchase items and it makes me more willing to spend more money.

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I disagree that using cash is safer than using internet banking.Firstly, as all payments are made by using a card, the record if purchase is easily traceable as all purchases are recorded which allows people to monitor their expenses through banks or card statement.This feature comes in handy when there is a need to cease an unauthorized transaction.Secondly, if you were in a shop to purchase some items and took out your wallet to fumble through wads of cash , it would make you an extremely vulnerable target to thief’s who will be trying to snatch the wallet to take all the cash. It is especially worst if your wallet contains huge amounts of cash as you would lose it all aa the thiefs can easily spend it on anything they want.In conclusion, using internet banking is safer as you would not have to worry about losing handfuls of cash to theirs and using cards are easier as they can be used to remove purchases that are unauthorized and you would only have to protect a singe item.

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Yes , I think that a cashless society would change teh way i spend my money. Firstly , this is because a cashless society would mean having a card with all your money stored in it. Having  that card is so convenient , being able to pay with just a tap , having a card also means that u can shop online and get it delivered to your house , this is much easier than doing to the actual supermarket to shop for our needs. We also have to carry it all the way home which is so tiring compared to it getting delivered. Secondly,  when u buy things , there will be a soft copy receipt which u can keep if so that when u get the wrong deliver u can contact the website for a refund with prove. In conclusion a cashless society will change the way i spend money because it is more convenient to spend cash online

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No, I don’t think a cashless society would change the way I spend my money.
Firstly, this is because not all places can pay cashless. Like, some of the hawker centre may still use cash-paying instead of cashless paying . Hawker centre stalls still use cash to pay as cashless pay machine can get easily spoiled due to the environment its placed on. The cashless pay machine may get dirty when the stall owner use their oily hands to pressed on the machine in order for the customer to pay.

Secondly, not all the stall owners know how to use cashless payment or they may not be familiarized to how the cashless pay machine work and may take a long time to get the customer to pay which can cause a long jam in a certain stall. That is why some stall owners prefer to use cash as they are used to collecting cash before the technology is so advanced. For instance, if hawker centre introduced cashless payment the stall owner may not get used to the cashless payment and may press wrongly the cost of the food as most stall owners are old-aged.

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Yes i think a cashless society would change the way i spend my money. Firstly, this is because i would not be carrying a wallet around me anymore. Usually, i have to carry my wallet everywhere i go because i have to carry my money to pay for things i am buying.However, In a cashless society, there is no need to carry wallets around anymore as i could use our phones to pay for our bills just by tapping on the screen. Secondly, i will be able to shop online without needing to shop physically. It also enables me to buy the things i want even if it is from another country. Usually, if i want to buy something, i have to go to the shopping centre and pay for what i want to buy however, in a cashless society, i could shop online and pay for the payment online rather than going to buy the things i want physically.Therefore,  i think a cashless society would change the way i spend money as i don’t have to carry a wallet everywhere i go and i could shop online not physically.

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Yes,I think a cashless society would change the way I spend my money.because when people we use cash last time , we can know how much we spend already and would not spent over much and If we spend on cashless payment we would see like we didn’t spend any money an example we would keep spending without knowing that they spend a lot already as they cannot see the money going out this will hugely affect the people from cashless society and the bank would always be very busy as people will need to go to the bank to add money if there is not enough money in the card and the bank will always be in a long queue ^^” which would lead to inconvenience

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Firstly, with the rise of online scams , we can never be sure that our bank accounts get hacked and toyed with.  Hackers nowadays are able to access alot of information online .  Hence to avoid any possible hacking of our account , holding on the real cash will be must safer to prevent any online transactions without pur permission.

Secondly, keeping a card that supposedly holds all our cash is very dangerous.  Instead of having real cash where we van control the amount we bring out ,  we have one card that is able to spend a unlimited amount of money under your name. All it takes is for us to not be careful just once , to lose the whole card by dropping it on the ground or leaving it in a public area .  To prevent that , keeping real cash is more safer as we will have several notes instead of one card .

Therefore, keep real cash ensures we can't get hacked nor have online transition under our name . On top of that , we will lessen the chance of losing the card by misplacing it anywhere.

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I feel that there are benefits and flaws with these two payments, firstly the benefits of cash is that it cant be used by other people as you are the person holding the cash. However it is easier to lose and the amount you can carry is limited to how much space your wallet can hold. For internet banking, it cant easily be lost as all the money is in the bank and the only way to access it is either by using a credit or debit card or directly excessing it via a bank account number. However, if you lose the card and dont cancel it right away, there is a high chance of whoever that finds the card can use it if it the card can use paywave without a pin number. Another bad thing is if someone knows your bank account number as it can be accessed from there

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Yes I think a cashless society would change the way i spend my money. First this is because when i use online payment or ATM card to pay, i cannot see the amount of money, so i will spend more money compare the time that I got cash with. Example when i got cash with me, i can calculate the amount that I spend so i can control the amount that I spend. Secondly, sometimes online payment is restricted because some shops there is no online payment or they specific what type of online payment example those china shop in Chinatown, they only accept the transfer from WeChat pay or cash there is no pay now or paylah over there. Therefore, cashless society would change the way i spend money

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I disagree that using cash all the time is safer than using internet banking. Firstly, if you are carrying a huge amount of money in your wallet, there is a chance of you being robbed, losing all the money in the process. For example, imagine you bringing $200 to spend on yourself after receiving your payment, and you were walking through the mall. All of the sudden, a man in a jacket with a hood stole your wallet or purse in a blink of an eye and ran away, despite the country may have high security, there is still slight chance of the thief be able to escape. All the hardwork would be gone. Secondly, using real money has a chance of you losing them due to clumsiness. For example, when you're about to pay for your items, you could not be able to find your wallet. In that wallet, you have a lot of cash and your personal informations. Therefore, using cash more all the time rather than internet banking has its risk such as being robbed or losing your precious items for being clumsy and forgetful.

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If i were in the video, i will feel very frustrated and agitated as there is a very long queue. Standing in a long queue is very stress inducing and is a pain to walk and stop and walk and stop just to go to a bank and withdraw some money. For me , i will not waste my time in waiting but rather i will go somewhere there is less queue. Personally for me, queueing in Singapore is so common. Everywhere you turn your head, you can see queues everywhere like in Singapore Pools, which is the most longest queue i have seen. For me, i have queued like this in the Singapore Border to Malaysia or the Courseway Point. It was very long and i took me 3 hours to get through the security, passport checking or even the luggage checking.

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Personally i think using cash all the time is safer than internet banking, for starters banking is a messy concept since it involves technology, should it malfunction or forget the password to the account holding your money, you have basically just lost all your money, i personally feel that holding it on physically would be better to minimize the odds of that happening, secondly since this is dwelling into technology, I believe that no matter how secure the account or the bank is, it would always fall prey to hackers, they might get a hold of your money, your identity and where you live, since its written in the bank details, which is why i think using money physically is better

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Yes, I think a cashless society would change the way i spend on my money. Firstly, this is because, if society goes cashless, people will live in extreme poverty as everybody would blindly spent their money on useless things that does not benefit them or the society. Secondly, it will change how we spent as online payments are now accessible to anyone at anywhere. By doing this, people are more tempted to spent their money since paying is only a button away. Personally, i am very cautious in what i spent because i can physically see the amount of money I have at the moment. However, i will be more tempted to buy things as payment is now online. I also cannot see my money physically  and that will change my way of thinking. Hence a cashless society would change the way people spent.

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Yes, I think that a cashless society would change the way i spend my money.

Firstly, this is because when once money is deducted from the bank, you wouldn’t know how much do you have left in the bank and you couldn’t keep track of it.

Secondly, taking cash is also safer than using online payment, if the phone is out of battery, and you have no cash on hand, there is no way to conduct payment.

Therefore, using cash is better than cashless, even if your phone has run out of battery, you will still have a second method of payment.

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No, I don’t think a cashless society would change the way I spent money. Firstly, this is because I would not spent more than $50 in a single purchase as I am particular about saving my money and not overspending on things. Secondly, this is because I would remind myself that I would not spent money on unnecessary items and would discipline myself to do so. Therefore, I don’t think a cashless society would change the way I spent money as i have the discipline to not overspend.

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I disagree to a certain degree that using cash all the time is safer than using internet .
Firstly, There is viruses that can be transmitted from multiple people touching the money and now even worse due to the current pandemic which is cause by the coronavirus.
Secondly, There more trouble when counting. Because of so many purchase from a store there might be miss calculation of the money.
Therefore, I think that using cash all the time is safer than using internet  because viruses could be transmitted and there might be human error when counting the money.

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Yes. I think that a cashless society would definitely change the way i spend my money. Using a card all the time instead of cash would only encourage me to spend more money, causing me to buy things that i don’t need. When you use a card, all of your money is in your card, which causes you to spend more, since you have more money. But if you use cash, you only bring a certain amount out to spend, and that can work as a limiter to stop you from over-purchasing. When i first made an account to shop online with a card, i was shocked by how convenient it was, and i loved to open my packages when they arrived. But ultimately, i felt guilty because i had spent a little bit too much. However, when i use cash instead of a card, i am more aware of how much money i have since the money is right in front of me, and i am only allowed to spend the amount that i left my house with. Thus, a cashless society, although convenient, would cause me to spend more unnecessarily on things i don’t need.

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State your feeling.
Explain why you would feel this way.
Then give an example of a time when you experienced something similar.

For example:
If I were in the queue in the video, I would feel ......
This is because .....
Personally, I have experienced something like this when I .......

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State your stand first.
I agree / disagree that using cash all the time is safer than using internet banking.

Then give 2 reasons to support your stand. Include an example / personal experience for each reason.

Firstly, ....

Secondly, ....

Then conclude your answer with a linking statement (summarise your 2 reasons).
Therefore, ...

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Yes, I think a cashless society would change the way I spend my money.
OR
No, I don't think a cashless society would change the way I spend my money.

Then give 2 reasons and try to include an example/personal experience for each reason.
Firstly, this is because .....

Secondly,......

Then conclude your answer with a linking statement (summarise the 2 main reasons).
Therefore, ......