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Analysis of institutional authors

Cuenca-Enrique, CarlosCorresponding AuthorDel-Rio-Carazo, LauraAuthor

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March 2, 2025
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Selection of mobile payment systems for the bottom of the pyramid: methodology and application to the payment of energy provision in Ngabe-Bugle

Publicated to:Cogent Business & Management. 12 (1): 2466814- - 2025-12-12 12(1), DOI: 10.1080/23311975.2025.2466814

Authors: Cuenca-Enrique, Carlos; Del-Rio-Carazo, Laura; Elvira-Cruz, Ignacio; Fisac-Garcia, Ramon

Affiliations

ESCP Business Sch Madrid, Dept Sustainabil, Madrid, Spain - Author
Univ Politecn Madrid, Dept Ingn Org Adm Empresas & Estadist, Av Complutense 30, Madrid 28040, Spain - Author

Abstract

Financial inclusion remains a significant challenge, particularly in developing countries and among low-income populations. Mobile payments present a potential solution by offering affordable and secure financial services. This study investigates the selection of mobile payment technologies for the bottom-of-the-pyramid population and introduces a methodology tailored to their specific needs. The proposed approach includes a detailed analysis of user characteristics, geographic constraints, and a hierarchy of selection criteria. These criteria consist of three main decision elements-user base, technical features, and economic costs-along with five technical sub-elements: ease of integration, scalability, real-time operation capabilities, security, and provider trustworthiness. The methodology's practical application is demonstrated through a case study in Panama's Ngabe-Bugle region, where mobile payments are being considered for energy provision services. The case study employs the analytic hierarchy process to prioritize criteria using responses from four different stakeholder groups. The findings highlight that while economic factors are critical, the size of the user base and technical aspects, such as solution scalability, also influence decision-making.

Keywords

Analytic hierarchy processBottom of the pyramidCase studCase studyDecision analysisDevelopment studiesInformation technologyManagement of technology & innovationMobile paymentsMobile systemsTechnology selection

Quality index

Bibliometric impact. Analysis of the contribution and dissemination channel

The work has been published in the journal Cogent Business & Management due to its progression and the good impact it has achieved in recent years, according to the agency WoS (JCR), it has become a reference in its field. In the year of publication of the work, 2025, it was in position 155/316, thus managing to position itself as a Q2 (Segundo Cuartil), in the category Business. Notably, the journal is positioned en el Cuartil Q2 para la agencia Scopus (SJR) en la categoría Business, Management and Accounting (Miscellaneous).

Impact and social visibility

From the perspective of influence or social adoption, and based on metrics associated with mentions and interactions provided by agencies specializing in calculating the so-called "Alternative or Social Metrics," we can highlight as of 2025-09-27:

  • The use, from an academic perspective evidenced by the Altmetric agency indicator referring to aggregations made by the personal bibliographic manager Mendeley, gives us a total of: 11.
  • The use of this contribution in bookmarks, code forks, additions to favorite lists for recurrent reading, as well as general views, indicates that someone is using the publication as a basis for their current work. This may be a notable indicator of future more formal and academic citations. This claim is supported by the result of the "Capture" indicator, which yields a total of: 11 (PlumX).

With a more dissemination-oriented intent and targeting more general audiences, we can observe other more global scores such as:

  • The Total Score from Altmetric: 0.5.
  • The number of mentions on the social network X (formerly Twitter): 1 (Altmetric).

It is essential to present evidence supporting full alignment with institutional principles and guidelines on Open Science and the Conservation and Dissemination of Intellectual Heritage. A clear example of this is:

  • The work has been submitted to a journal whose editorial policy allows open Open Access publication.

Leadership analysis of institutional authors

There is a significant leadership presence as some of the institution’s authors appear as the first or last signer, detailed as follows: First Author (CUENCA ENRIQUE, CARLOS) .

the author responsible for correspondence tasks has been CUENCA ENRIQUE, CARLOS.