Cash on delivery (COD) is still the dominant payment method in many emerging markets—but with it comes operational complexity and high fraud risk. In this episode, we chat with Faisal Ahmad Jafri, who’s held roles at Glovo and foodpanda and led marketplace ops teams across Africa and Asia. He breaks down the challenges of courier collusion, proof of delivery loopholes, and the trade-offs between fraud prevention and platform growth.

Key discussion topics include:

• What's unique about courier fraud in cash-on-delivery markets
• Why cash-on-delivery transactions open the door to collusion
• The importance of collaboration across fraud, ops, and support teams
• Signals and behaviors that reveal courier fraud
• Field-tested interventions that worked (and those that didn’t)
• How to adapt fraud defenses when expanding into cash-heavy markets
• Emerging fraud models with QR codes and mobile wallets

Show notes:

• See Incognia's other resources: https://www.incognia.com/resources
• Connect with Faisal: https://www.linkedin.com/in/faisalahmadj/
• Connect with David: https://www.linkedin.com/in/david-nesbitt/

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