The huge advancement in the field of communication has pushed the innovation pace towards a new concept in the context of Internet of Things (IoT) named IoT for Financial Technology applications (IoT-FinTech). The main intention is to leverage the businesses’ income and reducing cost by facilitating the benefits enabled by IoT-FinTech technology. To do so, some of the challenging problems that mainly related to routing protocols in such highly dynamic, unreliable (due to mobility) and widely distributed network need to be carefully addressed. This paper therefore focuses on developing a new trustworthy and efficient routing mechanism to be used in routing data traffic over IoT-FinTech mobile networks. A new Non-linear Lévy Brownian Generalized Normal Distribution Optimization (NLBGNDO) algorithm is proposed to solve the problem of finding an optimal path from source to destination sensor nodes to be used in forwarding FinTech’s related data. We also propose an objective function to be used in maintaining trustworthiness of the selected relay-node candidates by introducing a trust-based friendship mechanism to be measured and applied during each selection process. The formulated model also considering node’s residual energy, experienced response time, and inter-node distance (to figure out density/sparsity ratio of sensor nodes). Results demonstrate that our proposed mechanism could maintain very wise and efficient decisions over the selection period in comparison with other methods.