Analisis Metode Transaksi Cash on Delivery (COD) dalam Platform E-Commerce di Institut Syekh Abdul Halim Hasan Binjai
Keywords:
e-commerce; COD; transactions; Indonesia; qualitativeAbstract
The Cash on Delivery (COD) transaction method has become a very popular payment option among the public on Indonesian e-commerce platforms, especially amid the rapid growth of electronic commerce in the current era. The core issue in this study is how the implementation of COD affects transaction efficiency, fraud risk, and financial inclusion on e-commerce platforms such as Shopee, Tokopedia, Tiktok Shop, and Bukalapak, especially in areas with limited banking access. The research method used is qualitative based on secondary data, by collecting information from official platform reports, news articles, online forums, and previous studies. The results show that COD increases consumer confidence and expands e-commerce access for people who do not have bank accounts. However, this method also poses the risk of order cancellations, additional logistics costs, and potential fraud. This study emphasizes the importance of integrating digital verification technology and financial literacy education to optimize the COD system in a safe and sustainable manner
References
Ramadian, A., Akhsan, F., & Dewantara, A. (2024). Efektivitas penggunaan COD dalam meningkatkan penjualan di daerah pedesaan. Jurnal Ekonomi Digital, 8 (1), 101–115.
Rita Rahayu, R. (2022). Inklusi keuangan melalui metode pembayaran COD. Jurnal Keuangan Mikro, 4 (1), 56–67.
Sari, P. (2023). Akses layanan keuangan digital dan penggunaan COD pada masyarakat non-bankable. Jurnal Studi Pembangunan, 9 (2), 130–139.
Sugianto, A., Mutiara, D., & Malik, R. (2025). Pertumbuhan e-commerce dan preferensi pembayaran COD di Indonesia. Jurnal Perdagangan Digital, 11 (1), 1–15.
Taufik, M., & Harris, A. (2025). Analisis risiko operasional dalam penerapan metode COD di marketplace. Jurnal Manajemen Transportasi Digital, 5 (1), 20–33.
