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Article History Keywords Financial literacy Financial inclusion Financial behavior Saving behavior Financial education Personal saving. This study investigated factors impacting personal saving behavior in Vietnam. By using 692 respondents from a 63-province survey, the binary regression results showed that financial literacy, finance major, married status, financial attitudes, and advanced financial behavior were factors positively and significantly influencing individual saving behavior whiledoi:10.18488/journal.aefr.2020.106.590.603 fatcat:olwerkwk2zeivf7uifarzoys7y