In the past, most people in Indonesia paid for goods and services with cash. But now, more people are using mobile payment apps like GoPay, OVO, and DANA. These apps allow users to pay bills, buy food, and even send money to friends using only a smartphone. The popularity of mobile payments has grown quickly, especially among young people and in big cities. Many stores, cafes, and small businesses now accept payment through QR codes. This change is helping businesses become faster and moreefficient.One reason mobile payments are growing is that they are simple and safe to use. People do not need to carry a lot of cash, which lowers the risk of theft. Also, mobile apps often give discounts or rewards to users. The government supports this trend by creating rules to protect users and working with banks to improve the system. Mobile payments are not yet used everywhere, but they are becoming a bigger part of daily life in Indonesia.The word “efficient” is closest in meaning to...