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https://curated-unify.zendy.io/wp-json/zendy-region/v1/featured_content/oa?rat=en

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Financial technology (FinTech) such as E-Money makes individuals tend to be consumptive. The purpose of this study was to analyze the self-concept of the millennial generation of UMBandung students in interpreting digital transactions, motives (past and future) in using and utilizing electronic money or electronic wallets. The research object determined was OVO. The research method used is qualitative with Alfred Scutz's phenomenological approach which examines the self-concept of using electronic wallets in interpreting transaction innovation, motives for using digital transaction services to behavior that is depicted from selfconcept in UMBandung millennial students. The results of this study obtained (1) the past motive actions of students using digital transaction payments are the use of time in ordering food or drinks and transportation, (2) future motive actions add to experience in technology, enjoy promos, and later change to digital wallets which provides good service and satisfies needs. The self-concept of UMBandung students tends to be negative with consumptive behavior by paying attention to the discounts offered by OVO. The contribution of this research is in the form of recommendations to companies OVO, Gopay, DANA, LinkAja in order to facilitate transaction services by adding outlets that can participate in promos.

Motive and Millennial Self Concept in Understanding Digital Transactions through Phenomenology Approach