Given that cognitive performance critically underpins work efficiency and safety in commercial settings and workplaces, environmental music-an auditory intervention currently underutilized in these scenarios-exerts measurable regulatory effects on physiological activity and behavioral responses. This study targets two scenario-specific psycho-behavioral challenges rooted in suboptimal cognitive and emotional states: low consumer engagement/transaction willingness in commercial settings (exemplified by Shanghai SOGO) and reduced cognitive efficiency/elevated stress in FinTech workplaces, aiming to quantify how environmental music optimization enhances these key outcomes. Methodologically, the study integrates psychology-informed tools, building on the neurophysiological framework from the University of Oxford's 2023 study Ambient Music and Cognitive Performance: A Neurophysiological Perspective (e.g., Smith et al., 2023): 1) Neurophysiological measures (electroencephalography [EEG] to capture cognitive-related brain wave activity, heart rate variability [HRV] to assess stress responses)—consistent with the EEG/HRV measurement protocols validated in Smith et al. (2023)—to test and refine scenario-specific music parameters (60-80 BPM, ≤45 dB); 2) Personality and music use assessments (the Big Five Inventory, Behavioral Activation System [BAS]/Behavioral Inhibition System [BIS] scales, Use of Music Inventory [UMI]) to adjust music for individual differences (e.g., low-arousal tracks for introverted participants); and 3) Operational metrics (FinTech task completion speed/error rates, SOGO customer dwell time/average transaction value) to evaluate real-world impact. Preliminary results suggest that optimized environmental music may contribute to improved cognitive efficiency and reduced stress among FinTech employees, while also potentially enhancing consumer engagement and transaction willingness at Shanghai SOGO. This work aims to offer modest advancements to music psychology application in real contexts, providing tentative evidence-based strategies for linking auditory stimuli to better cognitive functioning and consumption-related behaviors.