Oh!where do I start from.I will ignore the obvious reasons like network coverage,trust and ignorance in usage.

Imagine there are big companies in this day and age that still insist on receiving hardcopy documentation or else payment will not be posted or processsed.
Even digital payment is an issue.You have to go for a cheque..ok..I know abt bank charges but the costs of collection = bank costs.
It amazes me especially if you as a company have embraced the go green idea and your trading patner is still stuck in their old ways of doing business all in the name of 'company policy'.They have refused to change with times.Just there like a museum.
So some will put blame on the costs of software implementation or keep arguing about splitting costs of maintenance and administration esp.the multinationals.I know of one airline software that was too expensive to adopt the local company decided to drop it all together.There was also the challenge of broadband or something like that..am not an IT person.I just know that it was too large to be accomodated using the existing system.

Back to the jumias killmall etc.
If I buy from you online and encounter a fault then upon return you redirect me to riverroad where the supplier is..then I have a problem with that.
We have a looong way to go but it's the only way now.

I understand your frustration. Until 2020, Co-op bank was selecting your user name if you wanted to use their online banking, Surely even Yahoo didn't do that, we selected our usernames that we couldn't forget. I closed my account needless to say. Even updating your address at CDSC is a hustle eish. What do they do with all that paper?

Jumia food seems to be doing very well from the info out there; what does it take to copy paste that elsewhere?

With COVID change is coming. I dont think the banking hall will operate the same way ever again. The congestion of people just coming to bank a cheque or withdraw less than 10k at the counter will change very soon.

Still who has tried Naivas shopping online?

This is absurd because they have a paybill no.
Someone was just too lazy to complete the set up.And what's worse is their comfort zone.They don't mind queues,crowding and the time wasted.
But this is not going to last.There is a new generation of tech minds who will not adopt this nonsense.

Big chick hi. All well and cool

Its a loophole, an avenue to eat. I once went to pay at electricity house and the hall was jam packed. When i got to the counter the lady picked my bill and cheque and went on to read comments on Facebook. And i could do nothing but stare. The attitude to work at KPLC is on another level.

If they encouraged people to pay online and leave the counters for customer service what would hurt?

quality Control is a big issue. A lot of counterfeits, even in Jumia, esp when orders are fulfilled by local partners. Once bought a "Swiss Gear" laptop bag on Jumia but what was delivered was a very poor fake. Luckily, they accepted and refunded.