In the last ten years, India has seen a revolution in how people get money. With the quick adoption of digital technologies, thanks to government programs like Digital India, and with smartphones and internet usage increasing, FinTech has grown rapidly. All of these financial dealings have been made a lot easier, faster and more accessible thanks to UPI, mobile banking, lending, online investing and insurance online. The customers are mainly young adults aged 18-35 years, who are comfortable with the use of technology and are ready to embrace new financial products. While the uptake of FinTech has been rapid, there is limited research on the use of digital financial skills in India. While many studies have addressed the issue of financial literacy and the use of information and communication technologies separately, few have examined the relationship between financial knowledge, digital skills, and user confidence. Having digital finances is not enough to enable them to make sound financial choices or protect themselves from online fraud and financial risks. This chapter examines Indian young people's (age 18-35) use of FinTech. It views digital financial literacy as knowledge about money, online skills, and confidence to make financial decisions online, and data privacy. The Technology Acceptance Model (TAM) was developed based on Behavioral Economics and recent research. The chapter also reveals that adoption of FinTech varies among certain individuals and not others, with gender, education, income, place of residence, and access to digital resources demonstrating the disparities. Recognizing these differences will enable us to develop programs that are more inclusive to all. Target is these lessons will benefit our Government, teachers, banks and FinTech companies in India.