This research encompasses a comprehensive investigation of stable metal halide perovskite materials, with a focus on bandgap tuning, crystallization pathways, and the impact of moisture. To study the moisture effects on the optical properties of Methylammonium perovskites, a UV-VIS spectrophotometer was employed, providing valuable insights into their hydrophilic nature and spectroscopic properties. Additionally, morphological, and structural characterization further enhanced our understanding of the microstructure and crystallographic properties. We also explored the materials' response to intense light through the Z scan technique, examining their nonlinear optical properties. The study's findings play a pivotal role in advancing our knowledge and facilitating the development of more stable and versatile perovskite materials for practical applications. Subsequently, simulations were conducted using the Solar Cell Capacitance Simulator SCAPS 1D, revealing a promising solar cell architecture with a glass substrate/FTO/(CH3NH3)2CuCl4/spiro-OMeTAD/Au configuration, showcasing an impressive conversion efficiency of 27.93%, along with a fill factor of 84.16, Jsc of 34.39 mA/cm2, and Voc of 0.9 V.