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Analysis of institutional authors

Campos Blázquez, Juan RamónAuthor

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December 22, 2022
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The development of alternate payment methods and their impact on customer behavior: The Bizum case in Spain

Publicated to:TECHNOLOGICAL FORECASTING AND SOCIAL CHANGE. 175 e121330 - 2022-02-01 175(), DOI: 10.1016/j.techfore.2021.121330

Authors: Maria Visconti-Caparros, Jose; Ramon Campos-Blazquez, Juan

Affiliations

- Author

Abstract

Technological disruption and social transformation are shaping and explain the radical changes introduced in financial services. A new technological mix of mobile-apps, big data, blockchain, AI, cloud computing and digital platforms is taking place with unprecedented speed and is forcing traditional banks to consider this technology to form part of new collaborative value creation networks, such as digital business ecosystems (DBEs). Traditional payment habits based on cash and credit or debit cards are being replaced by new innovative formats of mobile instant payment among end users (P2P). Through a single case study - Bizum's DBE - the purpose of this research is to explore how successful was the defensive strategy developed by traditional banking entities with the objective to lead the new mobile instant payment ecosystem in Spain. The findings show that Bizum's DBE is helping traditional banking entities to create a superior digital value that is being adopted very quickly by a huge number of users in Spain. The main contribution of this study is the complete explanation of how a winning strategy of creation and development of a DBE can: i) ensure survival of incumbents in the face of threats from digital disruptive actors, and ii) transform consumer habits very quickly, due to the superior created value as a new solution for that need. We used the novel reformulation of the Modularity Theory (Baldwin, 2020c) which can be considered as a first step for a DBE-specific theorisation and supportive framework to understand the deep social impact of the different network effects generated.

Keywords

Consumer behaviorDigital business ecosystemDigital paymentEcosystemFintechFrameworkFutureIntentionsModularity theorySocial network effectTrust

Quality index

Bibliometric impact. Analysis of the contribution and dissemination channel

The work has been published in the journal TECHNOLOGICAL FORECASTING AND SOCIAL CHANGE 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, 2022, it was in position 2/40, thus managing to position itself as a Q1 (Primer Cuartil), in the category REGIONAL & URBAN PLANNING. Notably, the journal is positioned above the 90th percentile.

From a relative perspective, and based on the normalized impact indicator calculated from World Citations provided by WoS (ESI, Clarivate), it yields a value for the citation normalization relative to the expected citation rate of: 5.37. This indicates that, compared to works in the same discipline and in the same year of publication, it ranks as a work cited above average. (source consulted: ESI Nov 14, 2024)

This information is reinforced by other indicators of the same type, which, although dynamic over time and dependent on the set of average global citations at the time of their calculation, consistently position the work at some point among the top 50% most cited in its field:

  • Weighted Average of Normalized Impact by the Scopus agency: 4.74 (source consulted: FECYT Feb 2024)
  • Field Citation Ratio (FCR) from Dimensions: 15.09 (source consulted: Dimensions Jul 2025)

Specifically, and according to different indexing agencies, this work has accumulated citations as of 2025-07-04, the following number of citations:

  • WoS: 24
  • Scopus: 27

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 2025-07-04:

  • 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: 390 (PlumX).

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 (Visconti-Caparros, José María) and Last Author (CAMPOS BLAZQUEZ, JUAN RAMON).

the author responsible for correspondence tasks has been Visconti-Caparros, José María.