This research aims to determine the impact of mass flow rate and inflow temperature on the utility and effectiveness of solar thermal systems using fins with air in various applications in Bangladesh. This study examines a three-dimensional (3D) photovoltaic thermal (PVT) system where we analyze the behavior of a hybrid system with six aluminum sheets (1 mm thick fin as a heat exchange material) inside the heat exchanger where the air takes the direction to pass in waveform through the channels (made of aluminum) using fins. The top side of the fins is bent and affixed to the bottom of the floor of the PV panel to allow heat transfer utilizing the conduction-based method. This study selects inlet fluid mass flow rate and inflow temperature between (0.015–0.535 kg/s), and (10–40 °C) respectively, while comparing the result with experimental/numerical published data based on Bangladesh's weather conditions and applies the finite element method (FEM) to solve heat transfer equations. A brief analysis of the association among Reynolds number with pressure drop and fanning friction factor is included in this paper. Our model can be mounted on building rooftops or open fields where air velocity will be controlled mechanically; thus, it has many applications. This model can be implemented within an agricultural photovoltaic (APV) system, domestic functions, dry agricultural products, and provide heat for greenhouses. The result indicates that 302–514 W thermal energy has been produced for 0.015–0.535 kg/s. For growing inflow temperature, despite the reduction in electrical efficiency, the value of adding electrical and thermal efficiency (overall efficiency) comes with elevation. A 5 °C increase in inflow temperature leads to an overall efficiency increase of 0.33%. This study's findings can help researchers better comprehend air's properties as a heat exchanger in a developed design, and they can be applied to government and commercial projects.