I need help or opinions

My boyfriend and I have been dating for 3 years, we’ve never had sex or done anything sexual. The only time we did something sexual was when he fingered me 2 years ago and after that we haven’t done anything. We don’t even sext with each other, I send him nudes sometimes and he doesn’t reply with anything sexual. When I try talking about having sex or anything that has to do with sexual things he avoids the topic or changes it. I don’t understand, is there something wrong with me or he’s just not into it. Please help