Cod buiseness softwares

current personal favourites are the following which have disrupted payments for different use cases and consumer cohorts

UPI — No transaction cost on the vendor's side and easy payment method via phone is a boon for consumers in India with low ticket size and virtually every one carries a smart phone these days.

Pay later — Spend all you want like a credit card but with less hassle of issuing a card, lazy consumers with good credit score are happy

COD — Cash on delivery contirbutes to approx 70% of all e-commerce transactions and was a real inflection lever for Flipkart and other ecomms earlier in their journey. It has its own PnL repurcussions for a firm but still consumer's favourite

Wallet — Wallets now need KYC compliances and hence make less sense in the advent of UPI but back in the day before UPI existed, it did the the same job. This will exist as legacy for some time and slowly die

I would however would like to see innovation around payments through smart devices( not phones) with special attention on smart watches maybe.