{rfName}
Se

Indexed in

License and Use

Icono OpenAccess

Citations

4

Altmetrics

Impact on the Sustainable Development Goals (SDGs)

Analysis of institutional authors

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

Share

March 2, 2025
Publications
>
Article
Sí

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, C; Del-Río-Carazo, L; Elvira-Cruz, I; Fisac-García, R
[+]

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

Affordable and clean energyAnalytic 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).

Independientemente del impacto esperado determinado por el canal de difusión, es importante destacar el impacto real observado de la propia aportación.

Según las diferentes agencias de indexación, el número de citas acumuladas por esta publicación hasta la fecha 2026-04-28:

  • WoS: 2
  • Scopus: 2
[+]

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 2026-04-28:

  • 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: 12.
  • 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: 12 (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: 1.
  • 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.
  • Assignment of a Handle/URN as an identifier within the deposit in the Institutional Repository: https://oa.upm.es/92884/

As a result of the publication of the work in the institutional repository, statistical usage data has been obtained that reflects its impact. In terms of dissemination, we can state that, as of

  • Views: 26
  • Downloads: 88
Continuing with the social impact of the work, it is important to emphasize that, due to its content, it can be assigned to the area of interest of ODS 7 - Affordable and clean energy, with a probability of 75% according to the mBERT algorithm developed by Aurora University.
[+]

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.

[+]

Project objectives

Los objetivos perseguidos en esta aportación son analizar la inclusión financiera en poblaciones de bajos ingresos, evaluar las características de los usuarios y las limitaciones geográficas para la selección de sistemas de pago móvil, desarrollar una metodología basada en criterios jerarquizados que consideren la base de usuarios, características técnicas y costos económicos, aplicar dicha metodología mediante un estudio de caso en la región Ngabe-Bugle de Panamá, y priorizar los criterios de selección utilizando el proceso jerárquico analítico con la participación de distintos grupos de interés.
[+]

Most relevant results

El estudio presenta una metodología para seleccionar sistemas de pago móvil adaptados a poblaciones de bajos ingresos, con aplicación en la provisión de energía en Ngabe-Bugle, Panamá. Los resultados más relevantes son: (1) se identificaron tres elementos decisivos: base de usuarios, características técnicas y costos económicos; (2) se definieron cinco sub-elementos técnicos: facilidad de integración, escalabilidad, operación en tiempo real, seguridad y confianza del proveedor; (3) mediante el proceso jerárquico analítico, se priorizaron criterios a partir de las respuestas de cuatro grupos de interés; (4) se evidenció que, además de los factores económicos, la base de usuarios y la escalabilidad técnica son determinantes en la toma de decisiones para la implementación de pagos móviles.
[+]