Considering the changing future of digital finance, Artificial Intelligence (AI), cloud computing, and machine learning (ML) have transformed how financial decisions are made, credit- risks are assessed, and mechanisms of inclusion are applied. Irrespective of these improvements, user trust, perceived risk and behavioral biases remain influential to the usefulness and use of FinTech innovations. The proposed paper constructs a behavioral- technological conceptual model, which analyzes the mediating role of perceived risk between the relationship between AI-based FinTech adoption and the result of financial decisions, in which algorithmic trust acts as a moderator. The paper connects psychological and technological aspects of financial behavior by relying on various theoretical underpinnings including Prospect Theory, Bounded Rationality, Signaling Theory, Expectancy- Violation Theory, Emotional Contagion Theory and the Algorithmic Bias- Trust Framework.