The invention belongs to the technical field of computer information processing, and discloses a financial scene type user perception information processing method, a system, equipment and the application. The method comprises the steps: collecting data of all Internet of Things terminal sensors of offline branches, buried point data of an online open bank, information pushed by a third-party system, and data of other platforms or service processes in the bank; the ETL, off-line calculation, real-time calculation, AI algorithm analysis and the like of the data are calculated and analyzed; hierarchical data fusion is carried out through data modeling, and data asset construction is realized; data service system construction is realized through unified service opening, unified authority management, unified operation and maintenance management and a unified alarm center; online and offline network digital operation is supported for data application; user application scenes are mined, more intelligent personalized services are provided, and user perception is improved. According to the invention, more accurate and personalized services are provided, so that the perception experience of the user is improved, and the digital transformation of urban and commercial banks and the construction of intelligent network points are facilitated.