I’m playing III Nocturne (PS4 HD Remake) and I’ve never seen this area nor does the game follow a 1st person POV (it’s in 3rd POV), so I’m inclined to say it could be SMT IV (althought I haven’t played it yet). I’m basically at the end of SMT III, so I feel like I would remember this area.

Tbh I thought it was Soul Hackers when I saw the graphics and POV, cause that game is a 1st person POV game where npcs are in the dungeon/overwolrd, and the city is still pre-apocaplyse. Plus that point of Soul Hackers was the phones/tech that lets you go into that digital town. But both SH and SMT IV are 3DS games, so it could be either.