Digital banking has been identified as a singular focal point of transformation in the financial sector as a means of changing how people access, receive and save money, utilizing technology-based financial guidance. Innovations in fintech systems, including mobile banking and digital wallets, as well as automated advisory systems, have grown the saving opportunities and better financial behavior. This research is based on the Technology Acceptance Model and the recent findings on the use of fintech’s and will explore the role of digital banking as an accelerator that will influence the savings behavior of consumers using technology-based financial institutions. The research evaluates three important fintech dimensions, including digital access, value of fintech tools, and confidence in digital security tools. The respondents were 300 participants in 300 different finance technology companies and organizations that use digital banks, such as product developers, innovation managers and senior executives. The research model was tested by Structural Equation Modeling (PLS-SEM). Results affirm that digital banking has a significant effect on the choice of savings since it enhances convenience, the transaction barriers and the confidence of the user on the digital financial space (0.372, p = 0.001). The positive effect of fintech functionality on the savings behavior is also significant (4.01000 pounds, p = 0.001), which proves that high-tech features stimulate more stable saving habits. This relationship is enhanced by the trust in the digital platforms (= 0.417, p = 0.001), which show that safe and transparent systems make the users more ready to use this type of long-term savings activities. Moreover, fintech maturity conditions the association between digital banking and savings choices, and it can be seen that the influence of digital tools on saving propensity is stronger in an environment with high digital preparedness. The research has strategic implications on the financial institutions, fintech developers, and regulators. Banks are encouraged to make investments in sound digital infrastructures, user-oriented design and security upgrades to encourage saving behavior. Fintech companies can use such insights to improve the features that better facilitate financial planning. The findings can be used by policymakers to enhance digital financial literacy interventions and create frameworks, which would support inclusive, technology-based, savings ecosystems.