In India when the major e-Commerce companies opened shop they realised that having just online payment wouldn't work due to inherent distrust with online paymen

In India when the major e-Commerce companies opened shop they realised that having just online payment wouldn't work due to inherent distrust with online payments, lack of card access etc. and so 'Cash on Delivery' where we pay to the delivery personnel was critical for their survival. Nowadays people prefer to use UPI[1] over cash in even local store counters making India the largest real-time payment transactions country. Its amazing that both of those happened within a decade, Largely synonymous with mobile compute & Internet penetration. [1] https://en.m.wikipedia.org/wiki/Unified_Payments_Interface https://en.m.wikipedia.org/wiki/Unified_Payments_Interface