This is not just a Konga or Jumia problem, it is a problem for any tech company that is going to have to receive payments. That is why there aren’t many digital product companies in Nigeria.
Game developers, web service providers, subscription/recurring payment services are a huge nightmare because you can’t do cash on delivery for non-tangible products.
Personally, at www.gospoteric.com (our online Gospel message marketplace for churches and speakers) we have resorted to voucher production but that is because we know exactly where and when to find our customers (churches, during service). Other service providers are not so lucky.
People just don’t trust cashless payments that much (yet). When I told my mum she had to use her debit card to purchase messages on my site, she bluntly shot it down.
This is not something the tech community alone can do. We need something that will drive mass implementation of cashless payment across all economic sectors. That is why I suggested this device. I think it will significantly increase adoption.