Analisis Dampak Penggunaan Dompet Digital (DANA) pada Generasi Milenial dan Gen Z

Abstract

Background: Digital wallets are now massively adopted by Millennials and Gen Z. However, there is a research gap as previous studies have tended to focus on positive impacts in urban areas, ignoring semi-urban infrastructure constraints and the 'dark side' of transaction convenience, such as deviant behavior and online gambling.

Purpose: This study aims to deeply analyze the impact of using the DANA digital wallet on Millennials and Gen Z, both in terms of economic functionality and its social behavioral impacts.

Methods: Using a descriptive qualitative method in Dompu Regency, primary data were gathered via observation and semi-structured interviews, then analyzed using an interactive model and validated through triangulation.

Results: Functionally, the DANA digital wallet provides positive impacts in the form of transaction practicality and expenditure history transparency that facilitates financial recording. However, behaviorally, this ease of access triggers negative impacts such as consumptive behavior tendencies and impulsive buying, which are also driven by promotional exposure and strong social pressure from peers.

Conclusion: The impact of digital wallet usage is dualistic. Although this technology provides transaction efficiency and helps monitor expenses, such convenience can trigger consumptive habits if not balanced with self-control and strong financial literacy.