The use of smartphones for shopping and banking

The use of smartphones for shopping and banking

Description/Paper Instructions

The use of smartphones for shopping and banking

Smartphones have transformed the way we shop and manage our finances. With the rise of mobile commerce and mobile banking, individuals are now able to make purchases and manage their finances from the palm of their hand. Here are some of the ways in which smartphones have changed the way we shop and bank:

1. Mobile Shopping: With the rise of e-commerce, individuals can now shop from anywhere and at any time using their smartphones. Online shopping has made it easier to compare prices and find the best deals, and mobile shopping has taken this convenience to the next level. With a few taps on the screen, individuals can browse products, make purchases, and track deliveries, all from their smartphone.
2. Mobile Payments: Mobile payments have made it easier for individuals to make purchases without the need for cash or physical credit cards. With mobile payment systems like Apple Pay and Google Wallet, individuals can make purchases using their smartphones, either by tapping their phone at the point of sale or by making an online payment.
3. Mobile Banking: Mobile banking has transformed the way individuals manage their finances. With mobile banking apps, individuals can check their account balances, transfer money, pay bills, and manage their finances from anywhere, at any time. Mobile banking has made it easier to stay on top of one’s finances, and has reduced the need to visit a physical bank branch.
4. Increased Security: Mobile payments and mobile banking have increased security in shopping and banking. Mobile payment systems and mobile banking apps use encryption and secure technologies to protect sensitive financial information, and many also use biometric authentication, such as fingerprint recognition, to add an extra layer of security.
5. Increased Convenience: With the ability to make purchases and manage finances from anywhere, mobile shopping and mobile banking have increased convenience for individuals. This has made it easier to stay on top of one’s finances and make purchases, regardless of location or time constraints.
6. Better Money Management: Mobile banking has made it easier for individuals to track their spending and monitor their finances. With mobile banking apps, individuals can see real-time updates of their account balances and spending, and can easily categorize their expenses to better understand their spending habits.
7. More Personalized Experience: With the ability to track spending and monitor their finances, individuals can now receive more personalized recommendations and offers based on their shopping and banking habits. This has made shopping and banking more personalized and tailored to the individual’s needs and preferences.

However, it’s important to be cautious when shopping and banking with a smartphone. With sensitive financial information stored on the device, it’s important to take steps to protect one’s privacy and security, such as regularly updating the device’s software, using strong passwords, and being careful when downloading apps and accessing websites.

In conclusion, smartphones have transformed the way we shop and manage our finances, making it easier, more convenient, and more secure. However, it’s important to be mindful of the security risks that come with using a smartphone for shopping and banking, and to take steps to protect one’s privacy and financial information. By using a smartphone responsibly, individuals can enjoy the benefits of mobile shopping and mobile banking, while also taking steps to protect their finances and personal information.

RUBRIC QUALITY OF RESPONSE NO RESPONSE POOR / UNSATISFACTORY SATISFACTORY GOOD EXCELLENT Content (worth a maximum of 50% of the total points) Zero points:  Student failed to submit the final paper. 20 points out of 50:  The essay illustrates poor understanding of the relevant material by failing to address or incorrectly addressing the relevant content; failing to identify or inaccurately explaining/defining key concepts/ideas; ignoring or incorrectly explaining key points/claims and the reasoning behind them; and/or incorrectly or inappropriately using terminology; and elements of the response are lacking. 30 points out of 50:  The essay illustrates a rudimentary understanding of the relevant material by mentioning but not full explaining the relevant content; identifying some of the key concepts/ideas though failing to fully or accurately explain many of them; using terminology, though sometimes inaccurately or inappropriately; and/or incorporating some key claims/points but failing to explain the reasoning behind them or doing so inaccurately.  Elements of the required response may also be lacking. 40 points out of 50:  The essay illustrates solid understanding of the relevant material by correctly addressing most of the relevant content; identifying and explaining most of the key concepts/ideas; using correct terminology; explaining the reasoning behind most of the key points/claims; and/or where necessary or useful, substantiating some points with accurate examples.  The answer is complete. 50 points:  The essay illustrates exemplary understanding of the relevant material by thoroughly and correctly addressing the relevant content; identifying and explaining all of the key concepts/ideas; using correct terminology explaining the reasoning behind key points/claims and substantiating, as necessary/useful, points with several accurate and illuminating examples.  No aspects of the required answer are missing. Use of Sources (worth a maximum of 20% of the total points). Zero points:  Student failed to include citations and/or references. Or the student failed to submit a final paper. 5 out 20 points:  Sources are seldom cited to support statements and/or format of citations are not recognizable as APA 6th Edition format. There are major errors in the formation of the references and citations. And/or there is a major reliance on highly questionable. The Student fails to provide an adequate synthesis of research collected for the paper. 10 out 20 points:  References to scholarly sources are occasionally given; many statements seem unsubstantiated.  Frequent errors in APA 6th Edition format, leaving the reader confused about the source of the information. There are significant errors of the formation in the references and citations. And/or there is a significant use of highly questionable sources. 15 out 20 points:  Credible Scholarly sources are used effectively support claims and are, for the most part, clear and fairly represented.  APA 6th Edition is used with only a few minor errors.  There are minor errors in reference and/or citations. And/or there is some use of questionable sources. 20 points:  Credible scholarly sources are used to give compelling evidence to support claims and are clearly and fairly represented.  APA 6th Edition format is used accurately and consistently. The student uses above the maximum required references in the development of the assignment. Grammar (worth maximum of 20% of total points) Zero points:  Student failed to submit the final paper. 5 points out of 20:  The paper does not communicate ideas/points clearly due to inappropriate use of terminology and vague language; thoughts and sentences are disjointed or incomprehensible; organization lacking; and/or numerous grammatical, spelling/punctuation errors  10 points out 20:  The paper is often unclear and difficult to follow due to some inappropriate terminology and/or vague language; ideas may be fragmented, wandering and/or repetitive; poor organization; and/or some grammatical, spelling, punctuation errors 15 points out of 20:  The paper is mostly clear as a result of appropriate use of terminology and minimal vagueness; no tangents and no repetition; fairly good organization; almost perfect grammar, spelling, punctuation, and word usage. 20 points:  The paper is clear, concise, and a pleasure to read as a result of appropriate and precise use of terminology; total coherence of thoughts and presentation and logical organization; and the essay is error free. Structure of the Paper (worth 10% of total points) Zero points:  Student failed to submit the final paper. 3 points out of 10: Student needs to develop better formatting skills. The paper omits significant structural elements required for and APA 6th edition paper. Formatting of the paper has major flaws. The paper does not conform to APA 6th edition requirements whatsoever. 5 points out of 10: Appearance of final paper demonstrates the student’s limited ability to format the paper. There are significant errors in formatting and/or the total omission of major components of an APA 6th edition paper. They can include the omission of the cover page, abstract, and page numbers. Additionally the page has major formatting issues with spacing or paragraph formation. Font size might not conform to size requirements.  The student also significantly writes too large or too short of and paper 7 points out of 10: Research paper presents an above-average use of formatting skills. The paper has slight errors within the paper. This can include small errors or omissions with the cover page, abstract, page number, and headers. There could be also slight formatting issues with the document spacing or the font Additionally the paper might slightly exceed or undershoot the specific number of required written pages for the assignment. 10 points: Student provides a high-caliber, formatted paper. This includes an APA 6th edition cover page, abstract, page number, headers and is double spaced in 12’ Times Roman Font. Additionally, the paper conforms to the specific number of required written pages and neither goes over or under the specified length of the paper.
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