CHAPTER 4 : FUTURE METHOD OF

PAYMENT

ARRANGED BY

1.NI KADEK DWI ASTARINI (25)

2.NI KADEK NIA OKTAVIANI (26)

3.NI KOMANG AYU WIDYANTARI (27)

4.NI KOMANG TASYA REGITA MAHARANI (28)

5.NI LUH PUTRI DEWI (29)

6.NI MADE AYU PRAMESTI DEWI (30)
7.NI NYOMAN AYU TRISNA DEWI (31)

8. NI NYOMAN TRIA DAVINA SANTIKA DEWI (32)

SMA N 9 DENPASAR

2024/2025
SECTION 1

I.INTRODUCTION

A. Definition of Discussion Text

Discussion text is a type of written work that explores a particular issue or topic by
presenting multiple viewpoints, typically consisting of supporting arguments (pro) and
opposing arguments (con). Its purpose is to provide a balanced analysis, allowing readers to
understand different perspectives and make informed decisions. Discussion texts are
structured to include an introduction to the issue, detailed arguments for and against, and a
conclusion that summarizes the key points and may offer recommendations.

B. Social Function
To purpose of discussion text is to inform readers about a particular topic, issue,
or question by presenting different perspectives, opinions, or arguments.

C. Type Of Text
Discussion text can be divided into two types, namely analytical exposition and
hortatory exposition, depending on the type of argument used.
1. Analytical exposition
Discussion text that provides arguments and restates someone's views
2. Hortatory Exposition
Discussion text that provides stronger arguments and recommends activities

Generic Structure
There are four generic structures of discussion text, namely:

1. Issue
This section introduces the issue being discussed, which can be a trending,
educational, health, social, political, or historical topic.

2. Arguments For
This part presents positive arguments in support of the issue, such as benefits
or advantages.

3. Arguments Against
This section presents negative or opposing points, explaining why you disagree
with the issue, such as disadvantages or other negative aspects.
4. Conclusion or Recommendation
The final section summarizes the discussion and can also include suggestions or
solutions for the issue.

E. Purpose Of Written
To attract the attention of the reader that the topic being discussed is important.
Agreeing to the author’s argument is not an obligation for the reader, this text is only
intended to express an opinion.

F. Guide On Compose Discussion Text

a. Choose a issue or topic: Decide on a clear argument or position.

b. Research: Gather information, use reliable sources like books, artikel, and credible
websites. Look for arguments that support your topic.

c. Outline: Plan the structure: - Introduction: Present your issue or topic..Present the
first viewpoint
- Body: Develop arguments with evidence (arguments
for and arguments against)

- Conclusion: Summarize and restate the text

discussion

d. Write: Follow your outline, use your notes to develop each paragraph, avoid
expressing personal opinions, use clear and concise language. Write in a way that
is easy to understand
e. Revise: Check for clarity, double check your facts and evidence, correct any
grammar or spelling erroes.
SECTION 2

A. CHARACTERISTIC OF DISCUSSION TEXT

1. Logical Structure
The argument is organized in a coherent and logical sequence, making essay for the
reader to follow.
2. Use Formal Language
The language is typically formal and objective.
3. Evidence Based Argument
Each claim or argument is support by factual evidence.

B. ORGANIZATION OF IDEA
• Introduction
Purpose / Objective: introduction the topic we will discuss
• Main Body
Purpose: support the issue through well-organized arguments and evidene.
• Counterpoints (Optional)
Purpose: Address potential counterarguments to demonstrate a balanced consideration
of the issue.
• Conclusion
Purpose: summarizes the key arguments with a solution, recommendation, or final
thought.

C. LANGUAGE FEATURE OF AN DISCUSSION TEXT

• Based on facts.
• Use tenses with simpler sentence patterns (staright forward tense). Sich as simple
present tense, simple past tense or simple future tense.
• Uses relaxed and informal language : Discussion texts usually use relaxed and
informal language, such as using more common and informal words and phrases
• Example : "I think..." (not "I believe...") to indicate a personal opinion.
• Using short and clear sentences : Discussion texts usually use short and clear
sentences, so they are easy for readers to understand.
• Example : We should reduce, reuse, and recycle to protect our planet." (not "It is
very important for us to reduce, reuse, and recycle in order to protect our planet.")
• Uses proper punctuation : Discussion texts must use appropriate punctuation,
such as periods, commas and hyphens, to make it easier for readers to understand
the text.
• Example : "I think that environmental conservation is very important, because it
affects our daily lives." (not "I think that environmental conservation is very
important because it affects our daily lives."
• Using words relevant to the topic : The discussion text must use words that are
relevant to the topic, so that readers can understand it well.
• Example : "Pollution" (not "Environmental degradation") to indicate
environmental problems.
Title :

Future Payment Methods: Opportunities and Challenges in the Digital Era

Issue :
As technology progresses, the methods of payment are shifting away from traditional
cash and card-based systems toward more digital and automated methods. This shift raises
questions about the benefits and challenges of these new payment methods, such as digital
wallets, eryptocurrencies, and biometric payments. Will these futuristie payment methods bring
about more convenience and security, or will they introduce new risks and inequalities.

Arguments for:
Digital wallets, mobile payments, and biometric methods streamline transactions,
allowing users to make payments faster without needing cash or cards. This increases efficiency
for both consumers and businesses. Payments can be made with just a tap or even automatically,
reducing time spent at checkout. Many new payment methods, like blockchain and biometric
payments, offer increased security. Blockchain ensures transparent, tamper-proof transactions,
while biometric systems make fraud more difficult by relying on unique physical traits like
fingerprints or facial recognition. Cryptocurrencies and digital payments can provide financial
access to people in areas without reliable banking infrastructure. In regions with limited access
to banks, a smartphone and internet connection could be enough to participate in the digital
economy.

Arguments against
While some argue that these new methods are more secure, they also present new
vulnerabilities. Hacking, identity theft, and data breaches are significant risks, especially when
sensitive biometric data is involved. The more personal data that's collected, the more attractive
it becomes for cybercriminals. A shift towards fully digital payments risks alienating people
who lack access to technology, particularly in rural or underdeveloped regions. Moreover, the
elderly, who may not be tech-savvy, could struggle to adapt to these changes, making them
dependent on others for daily financial tasks. Cryptocurrencies and decentralized payment
methods operate outside the control of traditional financial institutions and governments. This
lack of regulation raises concerns about fraud, money laundering, and illegal transactions.
Additionally, the volatility of cryptocurrencies like Bitcoin makes them unreliable for everyday
use.

Conclusion
The future of payments is poised to be more digital, secure, and convenient. However,
the path to widespread adoption comes with challenges, especially around security, privacy, and
inclusivity. For these methods to succeed, there needs to be a balance between innovation and
regulation, ensuring that new payment systems are safe, fair, and accessible to everyone. While
technology holds great promise, careful planning and safeguards must be put in place to address
the potential risks.
WORKSHEET

1. What type of the text above?

A) Analytical
B) Discussion
C) Narrative
D) Description
E) Report

2. What is the generic structure of the text?

A) Issue-Arguments for Arguments against - Conclusion
B) Conclusion - Arguments for- Arguments Against
C) Issue-Conclusion-Arguments against - Argument for
D) Issue - Arguments against-Conclusion
E) Arguments against Arguments for - Issue - Confusion

3. What is the main purpose of A discussion text

A. To describe a future payment method
B. To entertain the reader
C. To present arguments for and against an issue
D. To persuade people to adopt a specific payment method
E. To narrate a personal story

4 What is a typical arguments for keeping cash as a payment method in the future?
A. Cash transactions can be easily tracked by digital systems
B. Cash is safer and more secure than digital payments
C. Cash provides privacy and is accessible to everyone
D. Digital payments are not convenient
E. Cash can be used in online transactions

5. What is an argument for maintaining cash as a payment method in the future!

A. Cash is safer than digital methods

B. Cash is more practical for online transactions
C. Cash offers greater privacy and does not rely on technology
D. Cash can be used universally everywhere
E. Cash is faster than other payment methods

6. What is the main factor supporting the use of digital payment method?
A. Low data security
B. Slow transactions
C. Wider accessibility for all groups
D. Easy and fast to use
E. High transaction costs
7. What could be a conclusion in a discussion about future payment methods?
A. All payments will switch to digital
B. Cryptocurrency will be the only payment method in the future
C. Future payment methods should balance between digital and cash
D. Cash will completely disappear E. Biometrics will never be used

8. Which of the following is a henefit of using digital wallets in the future

A. It eliminates the need to carry physical cards or cash
B. It is slower than cash payments
C. It doesn't require electronic devices
D. It requires high-speed internet for every transaction
E. It is more prone to fraud

9. What is a common reason for not fully transitioning ti digital payment methods in the future?
A. Digital payments are slower than cash payments
B. Not everyone has access to devices or the internet
C. Cash is harder to counterfeit than digital payments
D. Digital payments take up more space
E. Digital payments are more expensive to

10. What could be an arguments against completely replacing cash with digital payment?
A. Digital payments are more secure
B. Not everyone has access to the internet or smartphones
C. Digital transactions are faster
D. Biometrics enhance security
E. Digital payments reduce environmental waste

The Answer:
1.B
2.A
3.C
4.C
5.C
6.D
7.C
8.A
9.D
10.B