As more people begin to use Artificial Intelligence in their financial dealings, the interaction between consumers and financial services continues to be transformed. Most of the current studies about the adoption of AI (Artificial Intelligence) are primarily focused on technology efficiency and security (trust), as well as intent to use. Conversely, there are fewer recent studies about the more in-depth behaviours and psychology that shape a consumer’s acceptance of AI-based financial tools, which is what this study aims to fill by providing new behavioural insights into AI usage that are beyond the existing tech usage acceptance theories. The results of this study demonstrate two forms of trust: trust in a system to be secure and provide accurate results, and emotionally based trust. There is a difference between these types of trust that needs to be validated from the perspective of a consumer. The findings also indicate that consumers perceive “control” as a major driver of their behaviours when interacting with these types of technologies; therefore, providing the consumer with the control to make decisions themselves (rather than allowing someone else to dictate) as well as providing explanations of how the and why the AI [is] providing this information [to them], are key elements to the consumer adopting these technologies for financial purposes. The study has identified what the authors call an algorithm awareness gap that impacts the consumer’s behaviours to either be over-reliant upon AI and/or resist AI recommendations. As a result of Ethical Sensitivity’s Moderating Role on Building Trust and Creating Long-Term Loyalty, the Findings of this Research Address Issues Relating to Automation Fatigue, Behavioural Differences That Are Task Specific to Financial Activities, and Recovery of Trust Following AI System Failure. Hence, the present study covered all the aspects of Psychological, Ethical, and Context Based on Consumer Behaviour Toward AI Financial Applications, and Provides Useful Consideration for the Implementation of Responsible, Transparent, and User-Cantered AI To Support Financial Institutions and is beneficial to all stakeholders of the company.