This study aims to determine whether enthusiasm has a positive effect on perceived usefulness and intention to use mobile payments, and also whether anxiety enthusiasm has a positive effect on perceived usefulness and intention to use mobile payments and whether perceived usefulness affects intentions to use mobile payments. And the second is to look for patterns from the respondent's profile using data mining using the clustering method with kmeans using the R Studio software from primary data with 178 respondent data and after that it is linked to the results of quantitative analysis with PLS-SEM with smartpls software. The following results are obtained, where enthusiasm affects perceived usefulness of 0.899 and anxiety affects perceived usefulness of 0.18, while the effect of enthusiasm on intention to use is 0.463, while the effect of perceived usefulness on intention to use is 0.312, and the influence of anxiety on intention to use is -0.226, which means that if anxiety increases, the intention to use will decrease. Meanwhile, from the results of machine learning by using clusterimg on the respondent's profile using k-means, in within cluster sum of squares by cluster is 76 %, and it can be seen that the respondent's profile which will increase the intention to use mobile payment is that the total sales are at most under 500 thousand, then the most education in clusters 1 and 3 is at the level of SMA is about 63 percent and the rest are elementary school graduates, and the network that is most widely used is Indosat and the number of suppliers is 1-3 and the number of customers is between 2-10 customers and the last gender is mostly male.