Financial technologies have been growing at a very fast pace especially in developing economies like India. The constantly evolving fintechs have also played a vital role in the way one manages one’s finances. Urban cities like Bengaluru have been undergoing a great transition in household financial management by being early adopters of neo-banking platforms, Buy Now Pay Later (BNPL) options and embedded finance. The study tries to explore the role of the various fintech applications in shaping the saving patterns among the middle-class families. The main aim is to understand the different digital financial tools available in the market, its adoption by middle class families, and the behavioral shift in the saving pattern among them with special focus on middle-class families in Bengaluru. The study uses theoretical approaches by integrating the insights from the existing literature as well as secondary data sources and behavioral theories to analyses how these fintech applications influences the saving behaviour. The study tries to find out how these fintechs influence the saving behaviour among middle-class people. The study also uses the established behavioral and adoption theories such as Behavioral Life Cycle Hypothesis, Technology Adoption Model (TAM), and Prospect Theory to understand the saving habits of people, adoption of these fintech and risk perception towards digital transactions. With the secondary data from various reliable sources like RBI, NPCI, SEBI and CMIE will enable us to identify the trends in digital savings, the shift from the traditional saving methods and challenges involved in its adoption and use.