Nukchop, P., Sawangsri , P., & Deeban, T. (2026). A COMPARISON OF PERSONAL FACTORS’ INFLUENCE ON SAVING BEHAVIORS BETWEEN GENERATION Y AND GENERATION Z. Valaya Alongkorn Review Journal, 16(1), 176–191. retrieved from https://so06.tci-thaijo.org/index.php/var/article/view/289905