The digital payment era has brought significant changes to behavioural intention to mobile payment, especially in transportation services. Even the background that motivates mobile payments has also evolved from utilization, performance, and increased social motivation. This study tries to look at the factors that influence interest in using mobile payment, especially in transportation services, with the background conditions, based on the UTAUT (Unified Theory of Acceptance and Use of Technology) theory and the SCT (Social Cognitive Theory). This study found that effort expectancy, social influence, and individual IT capabilities influence mobile payment’s behavioural intention directly. However, performance expectancy and facilitating conditions did not affect the behavioural intention of mobile payment. Furthermore, the second stage analysis’s critical finding found that individual IT performance has become a moderating variable in all interaction between independent and dependent variables. So it can be concluded that mobile payment’s behavioural intention in public transportation services strongly influenced by individual IT capabilities