“…Using Smart integration payment can be as one another solution where the government makes a fintech technology where passenger pay for riding transportation cashless and get cash back from the payment they did [17]. Artificial Intelligent (AI) technology such as data mining technology such as Attribute Oriented Induction High Emerging Pattern (AOI-HEP) [28,29,30,31,32,33,34,35], Attribute Oriented Induction (AOI) [18,19,20,21,22,23,24,25], or Emerging Pattern (EP) [26,27] can be used.…”