Digital literacy is the ability to analyze, evaluate, and create a teaching and learning media which enables adults and youth to understand complex communication. Fintech has transformed the history of the financial sectors and places an individual at significant advantages. Therefore, this research study has examined how digital knowledge could provide an opportunity to learn financial capability. For this research, the authors have selected Bankers, Teachers, Information Technology (IT) professionals, and university students from Bangladesh and United Kingdom to respond to our questions. In this research study, the authors aim to determine the participant's financial literacy level and digital knowledge about individual adults' advantages. The authors have developed hypotheses, financial literacy tests, survey questionnaires. The survey was carried out by financial professionals and university students in the UK and Bangladesh. A small group of participants was selected on a later stage using convenience sampling to conduct a small-scale interview. The research findings have found that present financial decision-making and assets' growth depend on an individual adult's financial capability.