ecommerceThis is a continuation to my previous article online payment systems in Kenya.

With E-commerce, it automatically creates a perception that the transaction is mostly cashless with an occasional option of Cash on Delivery(COD) when requested.

Websites such as Jumia and Kilimall entered the space as the pioneer nationwide e-commerce websites in Kenya.

The reception has been great with Kenyans slowly taking up the concept of e-commerce. Other international companies have also entered the African market but realized that online payment is a long shot. An example is Uber who have an option of paying via credit card but it is rarely used. What is the problem herein?

Don’t we have credit/debit cards? Is it a tedious process?  Is there fear of giving out personal Information? Are they expensive/Additional Charges?

Jumia has been able to implement use of credit cards as a payment methods. This is a standard industry procedure for any business to be termed as an ‘e-commerce’ website. Other ventures continue to consider mobile money payment via Mpesa as an online payment method. There seems to be a form of skepticism from the buyer and the seller.

As a result, I have decided to carry out a small survey of online payments and why the situation remains as is. Feel free to fill in the survey here.

I will infer the results and discuss the prospects for online payments in Kenya. This study attempts to find why most Kenyans still prefer Cash on Delivery in e-commerce as compared to online payment. Find Part 2 here.


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