Financial well-being is a significant research topic due to its positive correlation with an individual's life satisfaction. An individual's attitudes and behaviors towards financial management are crucial factors in achieving financial well-being. This research theme has recently been expanded to include a study of the relationship between personal financial management apps and financial well-being as technology advances transform the consumer financial landscape. However, much remains to be understood about how financial management apps interact with individuals' financial management attitudes and behaviors to influence financial well-being. This study explores the influence of the features of financial apps on users’ financial wellbeing. Specifically, it aims to empirically demonstrate the effectiveness of coaching and rewards in financial management apps in terms of the relationship between financial management attitudes and financial well-being of consumers through financial management behaviors. Data from a survey of 600 app users is analyzed using SPSS Process Macro Model 9 (for moderated mediation) to investigate the relationships among financial management attitudes, financial management behaviors, and financial well-being. The results indicate that financial management attitude indirectly affects financial well-being through financial management behavior. Additionally, the study finds that increased use of coaching and decreased use of rewards in financial management apps strengthen the positive effect of financial management attitudes on financial well-being through financial management behavior. This study empirically identifies the effectiveness of ICT in the financial sector, broadening the academic horizon in understanding the behavior of financial consumers. It also contributes to demonstrating the effective practical use of ICT for financial management by suggesting that financial management app users should utilize coaching to promote financial well-being, service providers should consider expanding forms of compensation combined with coaching, and policy makers should provide guidance on the use of financial management apps when educating financial consumers.