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 while

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... gender, student, and basic financial behavior were factors negatively and significantly impacting saving behavior. It highlighted the result that, women had a higher probability of saving than men. The implications for financial education in Vietnam from the policy makers as well as personal perspective are also discussed. Contribution/ Originality: This study contributes to the existing literature on the impact of financial literacy on financial behaviors. The study used 692 observations across a 63-province-level survey in binary logistic regression. The interesting result is that, in Vietnam, significantly, women were more frequent than men in saving. It is the first study to contribute findings consistent with the Vietnamese culture where women are the main financial decision makers in Vietnamese families.