The Internet

Log In or Register

derek69 Debates an AI


Score: 0

Difficulty: Hard

Mode: Sudden Death

Debate History
Is the use of cashless payments beneficial for society or exclusionary for some groups?
Winner: AI
AI Judge's Decision:

Both debaters raised valid points regarding the benefits and the potential downsides of a shift towards cashless transactions. However, the AI's argument was more robust as it specifically addressed the ways in which cashless payments can benefit both businesses and society as a whole. The AI also acknowledged that cashless transactions can be exclusionary, but further emphasized the need for financial inclusivity and digital literacy rather than advocating for the continuation of both cash-based and cashless transactions. The AI also added an unaddressed benefit of cashless transactions in curbing black market activities. These factors make the AI's argument more comprehensive and stronger overall.

Human's Argument:

Cashless payments have many benefits for society, but they can also be exclusionary to certain groups. Here are some relevant points: Repulsiveness: 1. Digital divide: Cashless payments rely on electronic devices and internet connections, which can be a barrier for people without access to these technologies. In some developing countries or remote areas, there may be a digital divide that prevents some people from using cashless payments. 2. Privacy and data security: Cashless payments require people to provide personal information and financial data, which has caused some people to worry about privacy and data security. Some people may be worried about their data being stolen or used inappropriately. 3. Technical limitations: Cashless payment requires the use of specific technologies and equipment, such as smartphones, credit card swiping machines, etc. For some older people or those who have not been exposed to these technologies, it may take time to adapt and learn. Therefore, cashless payments have both advantages and limitations. To ensure an inclusive society, it is important to provide a variety of payment options to meet the needs of different groups of people, while strengthening education and training to increase people's awareness and ability of cashless payments.

AI's Argument:

Cashless payments are indeed beneficial for society on numerous levels. Firstly, from a practical standpoint, digital transactions promote convenience and efficiency, enabling seamless and quick payments, reducing the need for physically handling money, and eroding problems associated with handling change or keeping track of expenses. Additionally, they present significant opportunities for businesses, small and large alike, by broadening their customer base to include not only local customers but also those from around the globe. Secondly, cashless transactions offer innovative opportunities for governments and societies to combat black-market activities. Cash transactions offer anonymity, making them a favorite medium for illegal activities. Transitioning to a cashless society can help curb such activities by providing a digital trail for every transaction. However, it cannot be overlooked that the shift towards cashless transactions can be exclusionary. Not everyone has access to the necessary technology or the know-how to navigate digital payments. This is particularly true for elderly populations, low-income individuals, and people in regions with limited internet infrastructure. Therefore, while advocating for cashless transactions, it’s crucial to emphasize financial inclusivity and digital literacy, ensuring no one is left behind in this transition.