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3.5.1. Advantages<br> The first advantage of E-wallet offers more convenience to many consumers. Whereby consumers will not have to worry about lack of cash while doing purchasing or worrying on the loss of cash in hand while moving to purchase destinations. For example, some restaurants in malls are giving out E-wallet payments through Grab-pay to offers customers discounts, rewards and so on. Not only that, and we also have Samsung-pay, which allows Samsung users to complete their payment of fees in a better and more convenient way.<br> Next, the second advantage of using E-wallet would be E-wallet offers access to new rewards. E-wallet is getting even more famous and broad nowadays, more shops and business is offering rewards to customers or consumers who use E-wallet to complete their payment. For example, Samsung-pay or Apple pay can offer free gadgets like earphones or limited edition phone casing to customers if they would complete all of their payments by using Samsung-pay or Apple pay in that one particular year. <br> Besides, E-wallet could help you with your budget. When it comes to services, many connections between companies or E-wallet applications will be linked. As an example, consumers could complete their payments for Grabfood by using Grabpay, which allows them to pay for their meals in a better and quicker way. Not only that, but we also have Touch 'n Go E-wallet payments which allows people to use them frequently in many places and services.<br> Lastly, the fifth and final advantage or using E-Wallet would be there is high availability of E-Wallet provided to customers and consumers. For example, if Grabpay system is facing errors or technical problems like lagging, customers could use Touch 'n Go or Wechat Pay to help them in their payments whereby they won’t have to worry about any purchasing failure or wasting time on taking out cash from banks, which may cause them even more troubles<br>3.5.2. Disadvantages <br> Firstly, one of the disadvantages of using an e-wallet is having a technical problem when we are using the e-wallet. This is the reason that when the e-wallet’s app is having technical problems such as system malfunction, system outages and system shutdown, people need to use the traditional way to pay for their items or goods but some people didn’t even bring their wallet because they never expect that e-wallet will be having technical problem, therefore the transaction could not be completed.<br> Besides that, e-wallet is not fully available worldwide which makes it one of the disadvantages of using e-wallet. For example, different retailer accepts a different kind of payment such as Wechat Pay, Grabpay, Razerpay and more.<br> One of the highest the disadvantages of using an e-wallet is having security risks problems.<br> Last but not least, e-wallet could make you spend your money recklessly.
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