In the modern era, banks either have adopted the Internet or are transitioning toward it. The recommendation system stands as the pivotal component for Internet application. Once operational online, businesses integrate Internet infrastructure, scenarios, financial products, and customer services, creating a vast data landscape. This data includes elements like scene context, customer behavior, interests, supply value, and product characteristics. By extracting insights from this data, new marketing opportunities can emerge. The recommendation system scrutinizes the relationships between customers and products/services. It identifies the most appropriate target customers for businesses and vice versa. For banks, this leads to increased sales and performance. For customers, it enhances their experience by providing tailored products and services. Furthermore, recommendation systems support the development of profit models like advertising and value-added services. For instance, by predicting individual advertising preferences, banks can display personalized ads in mobile banking. This customization boosts ad exposure and click-through rates, funneling valuable data to advertisers. This data becomes essential for competitiveness in the Internet sector. An example includes setting both Chinese and Western medicine service providers in a value-added service segment in mobile banking. The recommendation system predicts preferences, offering Chinese medicine to one customer and Western medicine to another, based on their needs. This approach enhances customer retention, engagement, and loyalty in value-added services. App usage frequency remains a challenge for banks. A robust recommendation system combined with strong content operations can significantly enhance app engagement and user base. Increased app usage can lay the groundwork for open banking. Open banking integrates banking services into non-banking online contexts, becoming a part of daily life. This future banking model emphasizes open formats, platforms, and ecosystems. Thus, the recommendation system is critical for customer engagement and bank development. Short-term benefits include improved advertising outcomes, boosted sales of banking products, increased value-added service provider prosperity, and expanded customer scale and activity. The recommendation system is invaluable for a bank’s operations.