If you have an iPhone or an Android phone, you are very likely to want to use your phone as a substitute computer at work, which means that you will need to use a web browser with internet access and a Paypal account. There are lots of other ways to get things done on the internet, but if you want to do something with your phone, you will need to download software, which is not only free, but can open files that aren't compatible with your browser. The beauty of this is that, if you don't have a Paypal account, you can use the software to download any number of files. Some of these can be used for work, others can be used for private purposes.
Let's take Paypal as an example. All you have to do is go to the website, download the free Paypal app for Android or iPhone, open it up, and start sending money to someone. Then you just put the phone into airplane mode. What you probably won't do with your phone is download a Word or Excel program on it, or even a PDF reader, because these can be very expensive. To download all of these applications, you need to pay for them, and you will often have to purchase more than one, so you have to pay for them separately.
If you don't like this, and you would rather not pay for these programs, there is software that is a lot better, because it will open files that have no other compatibility issues, and you can save a lot of money. If you downloaded the free Paypal application, you could open a huge number of files in it. You also could use it to share pictures, video, audio, documents, and anything else you can think of.