Mitsubishi UFJ Financial Group (MUFG) has deployed ChatGPT Enterprise to roughly 35,000 employees at Mitsubishi UFJ Bank as part of a multi-year effort with OpenAI to make the bank more “AI-native.” The collaboration began in October 2024 and moved to a phased rollout in 2026.
Rolling out AI across the bank
MUFG describes the initiative as a combination of leadership commitment and employee enablement. Tadashi Yamamoto, Group CDTO at MUFG, said, “I believe AI will fundamentally change the nature of finance,” and stressed the need for an environment and culture where “every employee can use AI naturally.”
Kohei Shimano, Managing Director and Head of the Artificial Intelligence and Solutions Department at Mitsubishi UFJ Bank, said the decision to adopt ChatGPT Enterprise was driven by its broad applicability and enterprise-grade security. Shimano said OpenAI worked with MUFG on security requirements and proposed product improvements and updates to address governance concerns.
Training, governance and adoption
MUFG required mandatory e-learning before employees could access ChatGPT Enterprise and appointed AI champions within business units to promote use. Sayuri Yonese, Vice President, Artificial Intelligence and Solutions Department, said OpenAI supplied custom GPT training materials and banking-specific examples that helped scale adoption.
MUFG reports 100% participation in mandatory training among employees who received accounts. After OpenAI-led custom GPT training, employees created more than 1,800 custom GPTs in four months. In selected research tasks, staff reported a 20–30% reduction in workload, according to the company.
Customer-facing experiments
The partnership also extends to customer experiences. MUFG plans to use Apps in ChatGPT with Moneytree so users can query account balances and transaction details in natural language, with follow-up questions to clarify information (interface and functionality illustrative and subject to change). WealthNavi is establishing a dedicated AI organization and collaborating with OpenAI on automated asset management. MUFG intends to use OpenAI technology in its digital bank emutt, including an AI concierge and a Money Advisory Platform (MAP) for personalized recommendations.
Key facts: partnership began October 2024; phased ChatGPT Enterprise rollout started in 2026; ~35,000 Mitsubishi UFJ Bank employees given access; 100% mandatory training completion among account holders; 1,800+ custom GPTs created in four months; reported 20–30% workload reduction in selected tasks.
Original source: OpenAI News