T The rapid development of information technology has significantly increased the use of digital payment services in indonesia. however, the level of digital payment usage is influenced by various factors related to users’ perceptions and characteristics. this study aims to analyze the effects of security, perceived usefulness, perceived ease of use, and public interest on digital payment usage, with digital literacy acting as a moderating variable. this research employed a quantitative approach using a survey method by distributing questionnaires to digital payment users in indonesia. data were analyzed using partial least squares-structural equation modeling (pls-sem) through smartpls software. the findings reveal that security, perceived usefulness, perceived ease of use, public interest, and digital literacy have a positive and significant effect on digital payment usage. among these variables, perceived ease of use has the strongest influence on digital payment usage. furthermore, the results indicate that digital literacy significantly moderates the relationship between security and digital payment usage, as well as the relationship between perceived usefulness and digital payment usage. however, digital literacy does not significantly moderate the effects of perceived ease of use and public interest on digital payment usage. these findings suggest that the adoption and use of digital payment services are influenced not only by users’ perceptions of usefulness, ease of use, and security, but also by their ability to understand and utilize digital technology effectively. therefore, digital payment service providers and policymakers should enhance service quality, strengthen system security, and promote digital literacy programs to encourage broader adoption and sustainable use of digital payment services within society.keywords: security, perceived usefulness, perceived ease of use, public interest, digital literacy, digital payment, pls-sem