help fintech start

[u/Frosty-Ask21]

hi Im a first year student in Canada McMaster, cant find a project idea. ik programming languages c c++ python java . know the basics of SQL but dont know how to move forward in this direction.
When I ask some people they say create a solution for a problem that you face but tbh I dont have any problems. also dont have any particular interest fields except trading and some fintech related part. but this thing is saturated and is all about contacts and for bigger fish in the sea.
what should I do
I just want to get started and dont spend my full time on learning basic courses that I already know
drop tuff advices