This study investigates the influence of digital transformation on financial literacy and investment behavior among young adults in Raipur, Chhattisgarh. With rapid urbanization and digitalization, Raipur presents a unique case for analyzing the adoption of fintech platforms and their effects on financial decision-making. A mixed-methods approach was employed, combining quantitative data analysis with qualitative insights. The findings indicate a significant positive relationship between digital engagement and financial literacy, offering actionable insights for local policymakers and educators aiming to enhance commerce and financial education in the region.