When a new digital product has low adoption, the first instinct is to fix the experience: simplify the flow, reduce the steps, improve the copy. Sometimes that's right.
Often it isn't.
Low adoption usually points to one of three things: customers don't know the product exists, they don't trust it, or the format doesn't fit how they already behave. UX improvements help with the first. They rarely move the needle on the second or third.
Trust problems need structural fixes. Changing who initiates a transaction, for instance, does more than redesigning the confirmation screen. Giving customers a recognisable format rather than an unfamiliar one does more than improving the copy on the unfamiliar one.
Format problems need an even bigger rethink. If customers pay cash because cash gives them something tangible and verifiable, a digital confirmation screen isn't a substitute. You have to find what cash actually provided, then find the digital version of that. Not the digital version of the cash itself.
The question worth asking before assuming it's a UX problem: is the customer reluctant because the flow is confusing, or because something about the interaction doesn't feel safe? The answer changes what you build next.