<![CDATA[This study aims to determine the factors that influence college students' saving behavior, with gender as a moderating variable. The analysis used is Partial Least Square-Structural Equation Modeling (PLS-SEM) with Multigroup Analysis. This study was conducted on 200 college students in City X who were selected by purposive sampling. Data collection was carried out using a structured questionnaire that measures Perceived Benefits, Perceived Ease of Use, Saving Intentions, and Saving Behavior. Confirmatory Factor Analysis (CFA) and Bootstrapping were used to validate the measurement model and structural relationships. The results showed that Perceived Benefits and Perceived Ease had a significant effect on Saving Intentions and Saving Behavior. In addition, Saving Intentions had a significant effect on Saving Behavior. This relationship applies to both male and female groups, with a determination coefficient of 86.2% for males and 86.7% for females. Moderation analysis shows that gender moderates the relationship between Perceived Benefits and Saving Behavior, as well as between Perceived Ease and Saving Behavior. These findings highlight the importance of considering gender differences in efforts to improve students' savings behavior. ]]>
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