This study is conducted on the societal phenomenon of saving behavior and saving intentions of the
people of developing countries as increment and economic stability depend upon the savings and investment of the
country. This research aims to thoroughly analyze the primary determinants for saving behavior in the presence of
saving intentions in Pakistan's service sector. The data were collected from 269 respondents. Employees of the service
sector in Lahore, such as banks, hotels, education, and industries, were the targeted population of this study. The nonprobability,
convenience sampling technique was used. The pre-structured questionnaire was used to collect the data
is an indication that this is a quantitative study. The researcher verified the data through AMOS version 23 and SPSS
version 22. Using SEM in AMOS, the outcome of the study shows that the key determinants of saving behavior, such as
financial literacy, attitude towards saving, subjective norms, and future orientation, have a significant association with
saving intentions. This study is helpful for the financial institutions in understanding the determinants for saving
behavior of the people and making the appropriate policies
Key words: Saving Behavior, Saving Intentions, Subjective Norms, Financial Literacy, Self-Control, Future
Orientation, Peer Influence, Service Sector
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