The Trust Deficit
Another major factor behind slow digital payment adoption is trust.
Many Pakistani consumers prefer cash on delivery for online purchases, even when digital payment options are available. This behavior reflects a broader trust deficit in e-commerce and digital financial systems.
Consumers want to physically inspect products before paying. Merchants want guaranteed payment before releasing goods. Cash satisfies both psychological expectations.
For digital payments to replace cash, platforms must demonstrate reliability not only in technology but also in dispute resolution, customer protection, and fraud prevention.
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