["Australian Economic Papers, EarlyView. ", "\nABSTRACT\nThis study investigates the influence of FinTech diffusion on household consumption behaviour during periods of economic uncertainty in Australia. By integrating FinTech adoption indices at the state and territory level with measures of economic uncertainty and linking these to representative household‐level expenditure data, the study provides a comprehensive analysis of how digital financial services shape consumer spending patterns. This study analyses panel data from eight Australian states and territories in Australia covering 2016–2025, employing a fixed‐effects model to account for unobserved regional heterogeneity. The empirical findings indicate that heightened macroeconomic uncertainty leads households to reallocate spending away from services toward single‐use goods, reflecting a more cautious consumption stance. However, widespread FinTech adoption attenuates this contractionary shift. Regions with higher uptake of digital financial platforms exhibit a smaller decline in service spending, suggesting that FinTech provides alternative mechanisms for accessing credit, managing liquidity, and maintaining consumption levels even amid uncertainty. Spatial heterogeneity is also evident. The stabilizing effect of FinTech on consumption is more pronounced in urban areas, where digital infrastructure and financial literacy are comparatively higher. In contrast, rural and First Nations communities exhibit a weaker FinTech‐mediated buffering effect, underscoring disparities in digital access and the need for targeted interventions. From a policy perspective, these results highlight the potential of FinTech to enhance household resilience during economic shocks. Policymakers should support the expansion of digital financial services through infrastructure investment, regulatory frameworks that promote inclusive access, and educational initiatives to improve digital financial literacy, particularly in underserved regions. By fostering a more equitable digital financial ecosystem, governments can help mitigate the adverse consumption impacts of economic uncertainty and promote broader economic stability.\n"]