Behaviorální faktory ovlivňující rozhodování o spoření u mladé generace v České republice v letech 2025-2026

This bachelor’s thesis analyzes the behavioral factors influencing the saving behavior of students at economics-focused schools in the Czech Republic in 2025 and 2026. The main objective of the thesis is to identify the key psychological and socioeconomic determinants of their saving decisions. The research is based on primary data obtained through a questionnaire survey among students at business academies and the University of Economics in Prague, followed by econometric modeling using binomial and ordinal logistic regression. The added value of this study lies in the integration of specific psychological factors, such as concerns about the impacts of generative artificial intelligence and present bias, into the standard framework of the economics of saving. In the analyzed sample, a statistical correlation was found indicating that present bias is associated with a lower relative rate of regular saving. Financial literacy, on the other hand, shows a positive relationship with the probability of having an emergency financial reserve. An innovative finding is that increased existential fears regarding one’s position in the labor market due to the development of artificial intelligence do not trigger a precautionary motive for saving but may indicate a mechanism of so-called financial paralysis and are associated with a lower willingness to build reserves. Based on these findings, the study proposes specific recommendations for the education system and financial institutions, particularly in the form of implementing commitment mechanisms.