University Students’ Saving Behavior in the Digital Era: The Role of Financial Literacy, Lifestyle, and Digital Banking Utilization. International Journal of Economics Management and Social Science , [S. l.], v. 9, n. 2, p. 584–594, 2026. Disponível em: https://journal.salewangang.net/ijemss/article/view/141. Acesso em: 7 jul. 2026.