Journal of African Development

The study examined consumers from Raipur City and Durg City who prioritize cash on delivery the most, despite the growing online payment options, still prefer cash on delivery.. Digital payments and fintech innovations are the new systems of today's era.  They are the Jockeys of  presenting financial transactions to people in a faster, safer and more convenient way. Digital payments have made their presence felt everywhere today. This means that payment and receiving of money happens electronically without using cash. In today's era, there is no need to carry cash in our pocket. If we have our mobile phone with us, we can easily make QR code payments using it. UPI, mobile wallet, debit and credit cards, internet and mobile banking, QR code payments, buy now pay later services play a big role in digital payment methods. When fintech innovations stand with digital payments, it completely develops the entire technologyFinancial services have also improved significantly in today's era through digital innovation, which includes UPI, instant payments, digital wallets and super apps, blockchain and cryptocurrency, AI-based fraud detection, robo-advisors for investment, peer-to-peer lending platforms, digital insurance platforms, etc. It has also been seen many times that people shop online and order goods and also make digital payments, due to which there is a growing sense that there is still no complete trust in digital payments, hence people prefer cash on delivery in response.Thus we may conclude that lower trust in digital payments significantly increase reliance on Cash on Delivery...