This research empirically examines the factors affecting the intention to use FinTech applications during the pandemic situation. The convenient sampling of the research comprised 546 individual respondents from different cities in Pakistan. The research results indicate that perceived benefits and social influence have significantly affected the customer's intentions to use FinTech applications during the covid-19 pandemic.Customers' intentions to utilize FinTech apps are unaffected by perceived technology risks. Furthermore, the findings show that attitude influences the relationship between social influence and perceived consumer trust. To ensure confidence, FinTech service providers should make sure their solutions are simple to use, meet demands, and protect clients' data. This will favourably influence consumers' adoption.