The study examines how digital financial tools shape consumer decision-making across saving, spending, and investment activities in an increasingly technology-driven financial landscape. The research responds to the growing need to understand how digital interfaces, automated features, and algorithmic cues influence financial behavior, either by supporting rational choices or amplifying cognitive biases. A quantitative cross-sectional survey was conducted with 362 active users of digital financial services, using a structured online questionnaire to measure saving habits, spending tendencies, investment confidence, digital literacy, and behavioral influences. Descriptive statistics, correlation analysis, and regression models were employed to identify patterns and relationships among the variables. The findings show that digital saving tools particularly automated transfers and goal-setting features positively contribute to consistent saving behavior by simplifying long-term planning. In contrast, frictionless payment systems and real-time promotional notifications increase impulsive spending, suggesting that convenience-oriented digital design can reduce users’ self-regulatory control. Investment behavior reveals a mixed pattern: educational cues and digital tutorials enhance confidence, while risk perception continues to deter participation, indicating that traditional behavioral biases remain influential despite technological support. The study contributes to theoretical discussions by highlighting how behavioral responses evolve within digital ecosystems, and by identifying emerging digital triggers that shape financial decisions beyond classical economic models. Practical implications emphasize the need for responsible digital design, consumer protection mechanisms aligned with behavioral risks, and updated financial literacy programs that address digital-era challenges. Although the study offers valuable insights, it acknowledges limitations related to self-reported data and its cross-sectional scope, underscoring the need for future experimental and longitudinal research.