<![CDATA[This study examines the influence of digital payment utilization, namely Near Field Communication (NFC) and Quick Response Code Indonesian Standard (QRIS), on smart mobility experience with mobility efficiency as a mediating variable. The research employs a quantitative explanatory design using a conceptual modeling approach to analyze causal relationships among variables. Primary data were collected through an online questionnaire distributed to 105 public transportation users in DKI Jakarta who actively use the Livin’ by Mandiri application for transportation-related transactions. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM), covering measurement model evaluation and structural model testing. The results show that NFC utilization has a positive and significant effect on mobility efficiency, while QRIS utilization demonstrates a relatively weaker direct effect. Mobility efficiency significantly enhances smart mobility experience and partially mediates the relationship between digital payment utilization and smart mobility experience. The study concludes that efficiency-oriented digital payment usage contributes to improving urban mobility experience. These findings highlight the importance of optimizing digital payment systems to support smart mobility initiatives in metropolitan transportation environments.]]>
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