Luong Huynh Anh Thu. (2026). THE IMPACT OF DIGITAL FINANCIAL LITERACY ON PERSONAL SAVING BEHAVIOR AMONG GENERATION Z IN HO CHI MINH CITY: THE MEDIATING ROLE OF FINANCIAL DISCIPLINE. HUIT Journal of Science, 26(3E), 762. https://doi.org/10.62985/j.huit_ojs.vol26.no3E.514