Jurnal Ilmu Sosial dan Pendidikan (JISIP) Vol. 6 No. 4 November 2022 e-ISSN : 2656-6753, p-ISSN: 2598-9944 DOI: 10. 36312/jisip. 3745/http://ejournal. org/index. php/JISIP/index Persuasive Messaging: MillennialsAo PerceptionsOf Instagram Advertising Of The AoJenius ConnectAo Payment System Hanjani Deandri Mutiara, 2Andintia Wijayanti Putri, 3Alexander Octavian LSPR Communication & Business Institute Article Info Article history: Received 5 Agustus 2022 Publish 8 November 2022 Keywords: Public Relations. Payment System. Persuasive Message. Perceptions. ELM. CMC. IMC. Instagram. Advertising. Digital Marketing, and Millennial Abstract Payment systems have become the most often used by many people in the world. Technology advances have encouraged people in using cashless terms through credit cards, debit cards, and e-money. Meanwhile, the subject of this research is Jenius. Jenius is a revolutionary banking application that is equipped with a visa debit card to help people conduct their financial activities such as saving, transacting, or managing peopleAos finances to be more safe, smart, and simple. Everything is done from one place including all on a smartphone by using the Jenius mobile application. This research has a focus on theperception of millennials towards the persuasive message of Jenius Connect advertising on Instagram as a payment system. The theory that is used is Elaboration Likelihood Model (ELM). Computer-Mediated Communication (CMC), and Integrated Marketing Communication (IMC). There are several concepts which are Instagram. Instagram Advertising, and Digital Marketing. The research methodology is using qualitative data collection through observation and interview. The finding of the research has stated that most Millennials tend to like the promos that are offered in the Instagram account of Jenius. Besides, the findings of this research update the ELM from the point of view of millennials that ELM has contributed to quick decisions or peripheral routes since the advent of the internet and social media. This is an open access article under the Lisensi Creative Commons AtribusiBerbagiSerupa 4. 0 Internasional Corresponding Author: Hanjani Deandri Mutiara LSPR Communication & Business Institute Hanjani@gmail. INTRODUCTION Interacting with one person to another is part of a humanAos daily routine as we are all social beings. Many information that we receive and exchange from communicatingwith a person may sometimes influence our decision-making process. When our initial decision is influenced, this means we have been persuaded. In the field of Public Relations, communicators can use persuasive communication strategies to achieve their goals. Out of many explanations on persuasive communication. Suryanto . defined it as the act of changing and influencing the beliefs, behaviors, and attitudes of people to result in a response or action according to the expectation of the communicator (Suryanto, 2015, p. Persuasive communication can be done in different forms using different media or In this new era, one of the most effective tools of persuasive communication is by using social media, especially when it targets youths. Communicators can utilize popular social media platforms, such as Facebook. Instagram. Youtube. Twitter, and many more. According to Serafinelli . 8, p. highlighted that Instagram has currently become the most prominent medium of audience and users. Instagram is a mobile-based social networking platform that allows users to upload pictures and update their current status . n photo or video for. to their followings. Apart from the interaction feature it offers. Instagram becomes a platform for mobile and social media marketing using its hashtag feature and offers freedom for users to create conversations. The millennial generation is born between 1980 and 2000 (Lee & Kotler, 2016, in Journal of Marketing Studies by Moreno. Lafuente. Carreyn, & Moreno 2017, p. As a generation 2384 | Persuasive Messaging: MillennialsAo PerceptionsOf Instagram Advertising Of The AoJenius ConnectAo Payment System (Hanjani Deandri Mutiar. Jurnal Ilmu Sosial dan Pendidikan (JISIP) e-ISSN : 2656-6753, p-ISSN: 2598-9944 who grow up alongside technology, they are influenced by everything around them, such as world events, social changes, economic changes, and technology change. In addition, in the past years, the Millennials generation is the largest population group with high purchasing power for many industries to target. Being able to be influenced and having a high purchasing power is certainly making the MillennialsAo generation an easy target for persuasive communication Communicators should also utilize the right tools and messaging to control the generationAos behavior. Alongside the rise of social media, banking companies are starting to digitize their services and payment systems to reach younger audiences. A payment system is a system that involves a set of rules, institutions, and mechanisms used to carry out the transfer of funds to fulfill an obligation arising from economic activity (Direktorat Hukum - Bank Indonesia, 2. It can be a tangible system, including cash or metal money, or non-cash, such as cards, checks, demand deposits, and debit notes. The presence of technology helps to release another form of the non-cash payment system, known as a mobile or online payment system. In simpler terms, a mobile or online payment system is called mobile banking. According to Laukkanen . , mobile banking refers to interactions where the customers are connected to a bank via mobile devices, such as a cell phone, smartphone, or tablet. The system does not restrict its users in terms of time and place of usage as compared to other non-cash systems, such as debit notes or checks, that require psychical presence to use it. Banks, such as BCA. BTPN Bank. Mandiri Bank. BNI Bank. BRI, and more, are shifting their systems to mobile systems and continuously improving their mobile banking experience. Taking the example of BTPN Bank (Bank Tabungan Pensiunan Nasiona. , to digitize their mobile banking experience, they created Jenius. Jenius is a revolutionary banking application equipped with a visa debit card to help people conduct financial activities, such as saving, transacting, or managing peopleAos finances, in a smarter, simpler, and safer manner by using a single application (Jenius, n. It is different from the electronic wallet . r e-walle. , as Jenius not only offer payments or transactions feature and makes life finance management easier, but also accept deposits andtime deposits with up to 7% interest. To gain the interest of MillennialsAo users. Jenius utilizes social media platforms, including Instagram, to market and advertise their application. Social media platforms allow Jenius to target its audience with persuasive messaging, such as offering great deals, discounts, and other One example of the promotion that Jenius offers isAoEveryayAo program. Using its Instagram account, @jeniusconnect. Jenius uses social mediabanners and social media activities to promote AoEveryayAo, a program of everyday cashback and reduced fare in using the product as a payment system. This program is one of the outputs of persuasive messaging. As discussed in the earlier section. Millennials are a generation that is highlyinfluenced by their surroundings, including technology and social media. Using AoEveryayAo program and social media promotion. Jenius can easily attract more users to use the Jenius application. Research Objective and Significance This research will be focused on the perception of Millennials towards the persuasive message of Jenius Connect advertising on Instagram . iscount and cashbac. asa payment system. This research will be guided in the following question: What is The Perception of MillennialsAo Towards The Persuasive Message of Jenius Connect Advertising in Instagram (Discount and Cashbac. as a Payment System. Knowing the perceptions of Millennials is an important aim of this research since the MillennialsAo generation is the target audience of Jenius. Furthermore, this research will be researching through the perceptions of the MillennialsAo generation to provide a result that could be beneficial for both parties, which are the researcher and Jenius. Persuasionhas an important role in the Public Relations field, which is to persuade people to engage in order to create mutual understanding between one and another. Thus, persuading others could create a different perception in peopleAos minds 2385 | Persuasive Messaging: MillennialsAo PerceptionsOf Instagram Advertising Of The AoJenius ConnectAo Payment System (Hanjani Deandri Mutiar. Jurnal Ilmu Sosial dan Pendidikan (JISIP) e-ISSN : 2656-6753, p-ISSN: 2598-9944 LITERATURE REVIEW Theories This research employs three main theories, which are Theory of Elaboration Likelihood Model. Computer-Mediated Communication (CMC), and Integrated Marketing Communication (IMC). Theory of Elaboration Likelihood Model The first theory. Elaboration Likelihood Model Theory, explains the routes to According to PettyAos . book, there are two cognitive processes in attitude, which are the central route and peripheral route. The central route involves message elaboration and in this sense, elaboration is Authe extent to which person carefully thinks about issue-relevant arguments contained in persuasive communicationAy (Petty 1986 in Griffin, 2011, p. Moreover, the peripheral route offers a short path in accepting or rejecting a message Auwithout any active thinking regarding the attributes of the issue of the object of considerationAy. In other words, this route aims to make a quick decision (Griffin, 2011, pp. 206 - . Petty and Cacioppo . in GriffinAos . book explain that the central route and peripheral route are a standard on a cognitive processing series that demonstrates a person's degree of mental effort when assessing a message. Moreover, in terms of choosing the right route, it depends on the characteristic of the message. Choosing the right characteristic of a message is important before formulating the persuasive message. In short, the Elaboration Likelihood Model has an important role in influencing consumer behavior and it allows customer needs and satisfaction to be met. This research focuses on the peripheral route, as the utilization of JeniusAos Instagram account (@jeniusconnec. is intended to influence MillennialsAo behavior is a quick pace in using Jenius as their primary payment tool. Computer-Mediated Communication (CMC) Computer-mediated communication (CMC) known as the new media, is referred to as Authe stark shiftAy from broadcast to interactive media with the existence of the Internetand bringing the media environments with a brand-new interest in medium theory among communication scholars (Littlejohn and Foss, 2008, p. With the presence of CMC, conventional ways of communicating become less and less as people divert away from faceto-face communication and shift to the Internet or Computer-based communication. It enables people to communicate anywhere and anytime using hand-held devices such as smartphones, tablets, laptops, and more. Social media, as a new form of the communication channel, is also a part of CMC. Therefore, applied to this research. CMC plays a role in how Jenius deploys its persuasive message, in this case, the AoEveryayAo program, through Instagram to target MillennialsAo audiences. Integrated Marketing Communication (IMC) According to Hawkins. Bulmer, and Eagle. Integrated Marketing Communication (IMC) is defined as planning and execution of all kinds of advertising such as promotions, selected messages by a brand, service, or a company to fulfill common goals of communication or more specifically to support a single positioning (Hawkins. Bulmer, and Eagle, p. 5, 2. In addition, according to Vargas . in the Journal of Integrated Marketing Communication by Saeed. Naeem. Bilal, and Naz . , itAos stated that an effective integrated marketing communication process was concerning the identifications of the target audience, determination of the communication objectives, designing of the message content, selecting the means for communication, defining the media mix, budget and priorities, and measuring the effectiveness of the effort. Combining the two concepts, a communication goal can only be achieved when the message and strategy are well planned and all targets are well identified. This means. Jenius should not put its sole focus on providing a good persuasive message, but also focus on the 2386 | Persuasive Messaging: MillennialsAo PerceptionsOf Instagram Advertising Of The AoJenius ConnectAo Payment System (Hanjani Deandri Mutiar. Jurnal Ilmu Sosial dan Pendidikan (JISIP) e-ISSN : 2656-6753, p-ISSN: 2598-9944 planning of communicating the persuasive message to the right audience using the right tools or media. Concepts Instagram Instagram is an application that provides a way to communicate on social networks through a photo (Atmoko, 2012, p. In summary, users of Instagram can upload photos using Instagram Story . 24-hour photo or video update featur. , insert a title or descriptionto the photo, converse with followers, follow other accounts, give comments, and many more. Instagram could also be used to advertise. Instagram Advertising Advertising includes content such as messages, images, audio, and videos that are spread on social media. Most of the content that forms advertising has the power to attract and bind audiences. Content that attracts audiences and customers usually contains entertainment, informative, and educative messages (Sulianta, 2015, pp. Instagram provides advertising features, the platform itself has the power to influence its users, especially MillennialsAo who spend most of their time on social media. Digital Marketing Digital marketing is defined as one type of marketing that is used to promote products or services and reach customers by using digital channels, such as social media marketing, display advertising, search engine marketing, and other forms of digital media (Yasmin. Tasneem, & Fatema, 2. Conceptual Framework 2387 | Persuasive Messaging: MillennialsAo PerceptionsOf Instagram Advertising Of The AoJenius ConnectAo Payment System (Hanjani Deandri Mutiar. Jurnal Ilmu Sosial dan Pendidikan (JISIP) e-ISSN : 2656-6753, p-ISSN: 2598-9944 Figure 1. Conceptual Framework by Data Processed by Researcher, 2019 METHODOLOGY Research Methods The methodology of qualitative research has methods in the form of text and image data. Qualitative research conducts specific things in data collection such as recording or documenting the information to get accurate data (Creswell, 2014, p. Besides, according to Gupta and Awashty, 2015, 15, have stated that qualitative research means understanding the experience of someoneAos lives in their social context. However, qualitative research is exploring and understanding the meaning of several individuals or groups which come from social problems. This method is using interviews, collecting specific data from informants, and analyzing data to determine how the informants have personally experienced it (Creswell, 2014, p. The result of the study will conduct thorough analysis from the beginning of data collection from the informant and was realistic (Raco, 2010, p. Moreover, there are 4 Informants . Customers of Jenius, and 1 Employee of Jeniu. The research focus is towards the perception of Jenius customers who is the millennialsAo It will be focusing on the perception of how the persuasive message in Instagram advertising is entering the mind of the customer and making them interested in the product which is Jenius. According to the researcher. Jenius is using 2388 | Persuasive Messaging: MillennialsAo PerceptionsOf Instagram Advertising Of The AoJenius ConnectAo Payment System (Hanjani Deandri Mutiar. Jurnal Ilmu Sosial dan Pendidikan (JISIP) e-ISSN : 2656-6753, p-ISSN: 2598-9944 persuasive messages in their Instagram account to attract millennials for using Jenius as their primary payment system with their promos, discounts, and cashback which is stated in Jenius's Instagram account (@jeniusconnec. Data Collection The data collection technique is interviewing the informants through several points such as the perceptions or point of view towards this product which is Jenius. Besides, this interview is conducted to have more depth information from the informants, this data collection technique is based on self-reports, or at least on personal knowledge or beliefs (Sugiyono, 2009, p. The interview is using a semi-structured interview through observation in the form of question lists and using a recording tape as the proof tool that theresearch is done. This interview aims in finding problems more openly such as asking for informants' opinions and ideas, this interview data will be listen by the researcher as carefully and record the information from the informants (Sugiyono, 2009, p. Other than that, to have strong arguments there will be used journals, books, and online articles regarding the communication in persuasion, perception, payment systems, and the millennialsAo. The library and internet also reliable in order to help the researcher accessing books and other sources that are not able. To find in the library as physical material. Furthermore, the data analysis is using the 3 steps process in data analysis for qualitative by Creswell . , which are Organize or preparing data for analysis. Read or look all the data, and Coding all of data. Organize is involving transcribing interviews, optically scanning material, typing up field notes, cataloguing the visual material, sorting and arranging data into different Read the data means providing general sense of information and opportunity to reflect the Coding the data is organizing the data by making segments . ext or image and creating a categor. which involved taking text data or pictures during the data collection, segmenting sentences or paragraphs, or images into categories (Creswell, 2014, p. Validity Technique The validity technique will be verifying the reliability of the obtained data, the answers will be validated using data that has been categorized and put into tables or discussions. However, according to Agustinova, there will be a process in choosing the right one which is triangulation. Triangulation is a process that determines aspects of the validity of information obtained and then compiled in a research (Agustinova, 2015, p. The triangulation could describe different data source by examining evidence or proof from the source in order to create a consistent theme justification (Creswell, 2. Data triangulation will be used when the researcher is having multiple data sources, such as collecting data from different groups, settings, or at different times (Daymon & Holloway, 2005, p. On top of that, the time and place of the research is having 5 months duration in Jakarta. Indonesia. The limitation of this research since the focus is on the perception or point of view from the customer of Jenius who is the millennialsAo generation that based in Jakarta who are active in Instagram and follow @jeniusconnect, and it could be some ofthe employee of Jenius, this research only focuses in Jakarta area and the result of this research will not be the same as other cities and countries around the world. ANALYSIS AND DISCUSSION Research Findings Research Finding has been found regarding the data collected towards 4 informants . Customers and 1 Employee of Jeniu. This product known as Jenius has informationthat is about new features, promos, and events. The features are including $Cashtag. DreamSaver. Send It. Pay Me. Split Bill, e-Card, and other features in Jenius (Jenius, n. Besides that. Jenius also doing a promo on their Instagram such as Everyay, and other promos. Everyay is considered as a promo and discount for each day from Monday to Sunday which is created and offered by Jenius. Jenius is a digital payment tool that exists in a smartphone application with the meaning that all the information, messages, and notifications are spread through Social Media such as Instagram (@jeniusconnec. and the Jenius application on smartphones. The advertising and 2389 | Persuasive Messaging: MillennialsAo PerceptionsOf Instagram Advertising Of The AoJenius ConnectAo Payment System (Hanjani Deandri Mutiar. Jurnal Ilmu Sosial dan Pendidikan (JISIP) e-ISSN : 2656-6753, p-ISSN: 2598-9944 information are uploaded in the Jenius Instagram account which is @jeniusconnect through Instagram photos, video, and the Insta-story (Instagram Stor. Jenius also doing a paid promote ads features by Instagram to publicize the informationand advertising said the employee of Jenius. According to the data collected through Semi- Structured interviews have found that mostly Jenius is using the peripheral route since Jenius is using Instagram in order to spread the newest information. Besides that, the content of the messages is made as attractive and interesting as it is which can make the receiver, followers, or customer to be attracted and have behavioral attitudes changed in making a quick decision such as using Jenius as the main payment tool. However, the theory of the Elaboration Likelihood Model has an important role towards the data Elaboration Likelihood Model (ELM) The central route of message that elaborates is the extent to which person carefully thinks about the issue relevant arguments that are contained in persuasive communication (Petty, 1986. Griffin, 2011, p. From the three informantsAo statements . ustomer of Jeniu. , it can be seen that Jenius is used as a payment tool is because it is relevant for the informantAos issue such as the needs, desires, and satisfaction of each informant. Further, the peripheral route is aiming at making a quick decision without depth thinking (Petty and Cacioppo, 1986. Griffin, 2011, p. 206 & p. It is found that Jenius is more likely to use the peripheral route since the content of message is spreaded through Instagram account @jeniusconnect. Jenius also uses a promo and discount such as Everyay that makes the customer and the readers want to use Jenius as they payment tool. Several informants also said that using this product is easy, fast, and has a lot of promos along with cashback. Computer-Mediated Communication Computer-mediated communication is defined as new media to makecommunication easier with less face-to-face. This is based in digital such as computers or machines that include the internet such as computer, smartphones, and social media (McLuhan, 1967, in Littlejohn and Foss, 2008, p. This theory is related towards the topic since Jenius is using a mobile-based application, and using the social media of Instagram in spreading news and information regarding the newest updates of Jenius. Besides that. Jenius is also using e-mail and Youtube in order to spread news and information to the customers. Integrated Marketing Communication Integrated marketing communication is described as every planning of all kinds of advertising, like promotions, messages that are selected for a brand, service, or company in order to meet common set of communication objectives (Hawkins. Bulmer, and Eagle, 2. Research has found that, regarding the Public Relations team of Jenius has indicatedthat it is proved Jenius is using planning before making something such as advertising, promotions, and messages to defines a beneficial communication. The planning is used to gain more customers such as quizzes and promotions which is Everyay and spreads the information through customerAos e-mail and also publishing it to the Social Media such as Instagram. Instagram and Instagram Advertising Instagram is considered as an application that declares social media in a mobile platform . martphone and tablet. to entertain people or users by freely accessing, searching, and uploading a picture or video in their account (Linaschke, 2011, p. Meanwhile, advertising is content that includes messages, images, audio, and videos thatare spread on social media. Most of the content has the ability to attract and bind customers and audiences. Content that attracts audiences and customers usually includes entertainment, information, and education (Sulianta, 2015, pp. It is found that Jenius is using Instagram to spread news and information regarding the features, promotions, and updates. Besides that, it was stated based on the informant's data collection Jenius is doing the promotions through an Instagram features called sponsorads. Other than that, the Public Relations of Jenius stated that 2 kinds of advertising are 2390 | Persuasive Messaging: MillennialsAo PerceptionsOf Instagram Advertising Of The AoJenius ConnectAo Payment System (Hanjani Deandri Mutiar. Jurnal Ilmu Sosial dan Pendidikan (JISIP) e-ISSN : 2656-6753, p-ISSN: 2598-9944 implemented by Jenius which are the normal post and dark post. A normal post is defined as a post that will be uploaded through the Instagram account, the user will boost the post and it will become the advertising and it will directly appear also in the official website. Meanwhile, a dark post has the meaning of an advertising post which isnot everyone can see the post but only certain people will see and received it. Because dark post is aimed only at targeted people. Digital Marketing Digital marketing defined as one types of marketing that is used to promote products or services and reaching customers by using digital channels (Yasmin. Tasneem, and Fatema. Meanwhile, through the personal observation of the researcher, it is shown that Jenius is using social media such as Instagram to promote their product and services to the target audience and public. From the data collection, it is showing that the Public Relations of Jenius also stated that the purposes of using Social Media is to educates the customer as well as informing the updates of Jenius. Besides that, it is also to encouraging the customers or followers to have a good relations between the company and customer as well. Agile Ways of Working Regarding the observation, the data collection was done through interviewing one of the employees of Jenius who is the Public Relation Team, agile ways of working are defined as ways of thinking in deciding to make it faster than before. This means that in Jenius the people or team in a department will have planning first to make something. They will hold some meetings in which the duration is around 15 minutes and followed with discussing and exchanging opinions between one and another. However, agile ways of working apply to the central route of the elaboration likelihood model since the team has considered and defined long-term thinking with the issue-relevant. These agile ways of working have proven that they can make the Public Relations team work faster and well-planned. Academic Contributions Theory of Elaboration Likelihood Model (ELM) According to the findings of the research it can be seen that this theory is contributed towards the future trends especially in making decision. However, the existing of Elaboration Likelihood Model Theory, explains the routes to persuasion. According to PettyAos . book, there are two cognitive processes in persuasion, which are the central route and peripheral route. Furthermore, the findings of this research actually imply more diverse persuasion due to the presence of the The findings of this study will contribute in updating the Elaboration Likelihood Model Theory. Considering the findings of the research, it is found that Jenius is more likely to use the peripheral route since the content of message is spreading through Instagram account @jeniusconnect. Jenius are using promo and discount such as Everyay that makes the customer and the readers want to use Jenius as they payment tool. Besides, several informants also said that using this product is easy, fast, and has a lot of promos along with cashback. Moreover, the existence of internet has transformed decision making into fast without And maybe in the future, internet will lead people in changing the habits of using cash into cashless since the presence of digital payment. Digital payment has persuaded people in making fast decision to use them as peopleAos main payment tool. Digital advertising that spreads through several social media such as Instagram become the most persuasive communication to be The persuasive message has turned the reader to make fast decision as persuaded through the Thus, this theory would be very helpful in academic field such as elaborating kinds of persuasive communication aspects through quick or slow in making decision. CONCLUSION Based on the findings explained in Chapter 4, the are several conclusions takenfrom Firstly, in regards to the Elaboration Likelihood Theory, there is a behavior change in MillennialsAo customers that relates to the central route cognitive process. In the central route, participantsAo behavior changed based on the issue- relevant, such as deciding theright way 2391 | Persuasive Messaging: MillennialsAo PerceptionsOf Instagram Advertising Of The AoJenius ConnectAo Payment System (Hanjani Deandri Mutiar. Jurnal Ilmu Sosial dan Pendidikan (JISIP) e-ISSN : 2656-6753, p-ISSN: 2598-9944 with the best consideration or long-term thinking. On the peripheral side, participantsAo behavior changed quickly and with short-term thinking when exposed toinformation on promotions and Secondly, most of the MillennialsAo participants stated that they are most persuaded by the promotion information and updates offered in JeniusAos Instagram account. Aside from the promotion, they are also attracted to JeniusAos Instagram updates about its features and events. Thirdly, retrieved from the data provided by the Public Relations team of Jenius, they are using several methods to deliver messages. The methods include using Sales Promotion Person, normal post for normal advertising towards the public, dark post for targeted people only, and using other social media channels, such as Facebook. Twitter, andYoutube, to advertise. Lastly, data collection shows that internal data stated positively towards the methodology used to improve the skills of the internal performance, such as the Public Relations team. The Public Relations team of Jenius is using the methodology called Agile Ways of Working to have well-structured, educated, and responsible Public Relations. These Agile Ways of Working methods are used to make a plan before doing something, such as holding an event, and so on. RECOMMENDATION Since this particular research is focused on finding the perceptions of Millennials towards the persuasive messaging on Jenius Instagram @jeniusconnect, future research could explore other angles but still related to persuasion. For example, exploring how the persuasive messages on JeniusAos Instagram account are produced and arranged, such as the process or how the team spreads the information about the product. In addition, as mentioned before. JeniusAos Public Relations team is a method called the Agile Ways of Working. From a practical standpoint, this study suggests for Jenius utilize other forms of engagement to persuade the audience, such as using quizzes. REFERENCES