利（advantage）：

①极大的方便的日常生活的购物等交易方式

It brings us a more convenient way to shopping in our daily life.

②能让我们的购物不受时间空间的限制

It will help us to build a platform that don't be limited by time and space.

弊（disadvantage）：

①网络支付有一定的风险

There exists some risk when we use money through the internet.

②并不适用于所有人群，如老年人

It doesn't suit all kinds of people, especially for elders.