[jazzyjitesh]

I request you to look at India's e-retailing industry. Most people don't have CC and those who have are also not scared as there is three tier security system in place. The online retailers are fighting with each other to provide best services in terms of quality, cheaper price, speedy delivery and great online shopping experience. Exchanges are also relatively hassle free which are very important in clothing and other wearable items. It is just going great!! Two websites if you want to explore further: 1. www.flipkart.com 2. www.myntra.com Cheers!

[avemuri]

I'd look at the payment processors too. CitrusPay, PayU, CCAvenue, Zaakpay are a few. The retailers themselves haven't really solved the problem to be honest. Most transactions are done via cash on delivery - they've built cash collection into their logistics.