Determining your concentration is a career decision. Research and understanding are your first steps.
The concentration you select (including no concentration) is primarily a decision related to how you will market yourself for the job search. In general, we recommended that everyone should complete a concentration to clearly show your career interest and focus in a particular field or functional area, but it really depends on your career goals.
As a first step, do your research. Most people hesitate to make decisions when they do not have enough information. These workshops will give you an introduction to each concentration: