Fintech has created a silent revolution in many ways, Fintech has benefited human sustainability in many ways. This paper is an exploratory study based on literature review and perceptual analysis the benefits they perceive, the risks they perceive. A questionnaire was developed to study the perception of various consumer group. Financial technology benefits they perceive, perceived risks. The questionnaire was distributed to mainly student communities. To study the benefits expected from online financial Transactions, the improvements expected, the risks perceived about online financial Transactions. Weather financial technologies will help in improving quality of life and ecosystem. Of the respondents, many are the perceived benefits, there understanding of the sustainability because of fintech, or online financial technology connections seems to be in the nascent stage. The risks perceived were digital fraud and security risks, The banks should invest in cybersecurity for the fintech to flourish. Controls the flow of money and finance is the benefits perceived for the ecosystem. More awareness must be created for the importance of Fintech as a sustainability tool. The responsibility should be shared by Government, and financial Institutions.