The 419 scams haven’t just affected Nigeria’s image worldwide, but also the domestic market’s perception of risks with payments online. Combine that with un-banked population and it’s no surprise the industry has developed to a standard of cash-on-delivery for its payments.

While the big brands such as Jumia have developed the trust with their customer base, there are still major issues with delivery and keeping inventory. Requesting a refund for an undelivered item is perceived as a time-consuming process that takes weeks and the money is stuck during this time.

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