I think the removal of Pay on delivery is not exactly disruption except if we are defining disruption differently. I can tell from my experience of some of these brands especially supermart.ng that the Pay before delivery makes their service more efficient. As opposed to the traditional 2 to 10 days delivery window that e-commerce companies usually set, supermart.ng delivers in 3 hours without fail at least from my experience. So, this is my take, if the service is efficient because i pay before hand, why settle for less quality when i will still pay eventually.
Meanwhile, I think removing Pay on delivery will also foster the cashless policy.