The utilization of programming applications through private computerized gadgets to get to monetary administrations and items, the alleged fintech, has offered new speculation valuable open doors as well as dangers for individual financial backers in direct control of their individual accounting. This paper is roused by the possibility that individuals need both advanced education capability in the utilization of computerized stages and applications and monetary proficiency the capacity to comprehend the essentials of financial aspects and money to take individual accounting choices - to share the advantages of the digitalization of banking and monetary business sectors. In the writing, computerized proficiency is related with better work market results, relies upon training achievement, is connected with individual financial foundations, and encourages, alongside monetary education, business venture. Monetary proficiency connects with different parts of individual dynamic over the life-cycle, disparity, constituent interest, strategy results. It is likewise related to bigger monetary resources' property, to a more modest utilization of money in Canada and Poland, to bigger money possessions in Japan. This work breaks down how the utilization of computerized installments and individual accounting decisions are related to computerized and monetary education, first in quite a while that record for each marker in turn, then, in models that incorporate both. The investigation, honestly engaging, likewise presents an endeavor to separate the exogenous part of advanced and monetary education, passing on to future exploration the errand to investigate causality further. In the information, the utilization of advanced installments is related to the capacity to utilize computerized advancements, at all degrees of monetary proficiency, while individual accounting decisions are related to monetary education, at all degrees of computerized education.