This research looks into how using FinTech, AI-based money tools, knowing digital finance basics, feeling confident in systems, along with solid rules shapes people’s interactions and borrowing chances. A numerical snapshot from 200 individuals who use FinTech platforms was gathered; checks for consistency, comparisons between groups, mean differences, plus pattern spotting were run. Findings reveal similar app usage no matter where users live, shaky ties between engaging tech and understanding it, equal views among men and women about whether AI treats loan requests fairly, also little connection between job type and being financially included. So just having access doesn’t boost know-how around managing funds. Getting better at online skills alongside clear oversight of smart algorithms might lead to fairer, wider participation in modern finance.