Credit Saison achieves 954% ROI in a ChatGPT Enterprise pilot

Credit Saison’s business centers on credit cards, with approximately 31.16 million cardholders. The company also operates financing and international businesses.

In September 2025, Credit Saison rolled out ChatGPT Enterprise to all employees. A pilot had exceeded its targets for time savings, giving the company the confidence to approve a companywide rollout just one month after the pilot ended. The rollout gave every employee access to AI at work. That shift began with the pilot.

A pilot across the business delivers 954% ROI

With many employees in generalist roles, Credit Saison wanted to understand how AI could improve everyday work and deliver tangible results. Kazutoshi Ono, Credit Saison’s Senior Managing Executive Officer, CDO, and CTO, set a clear direction: “We won’t know until we really put it to work.”

Working with OpenAI, the company ran a ChatGPT Enterprise pilot with 315 participants for a little over a month, from late June to early August 2025. The group brought together volunteers, employees nominated by the project team, every executive including the president, and representatives from every department. It accounted for just under 10% of the company’s approximately 3,700 employees in Japan.

The results? Credit Saison reports a 954% return on investment (ROI) and 14 hours saved per employee each month, equivalent to approximately 169 hours annually. Both figures significantly exceeded the company’s initial targets of 500% ROI and 7.5 hours saved per person per month.

In a survey after the pilot, 75% of managers and 70% of nonmanagerial employees said they could not do without ChatGPT Enterprise. Approximately 80% of respondents in the legal department felt it improved their ability to do their jobs, while more than 80% in the IT department reported greater job satisfaction. The benefits extended beyond time savings to how employees felt about their capabilities and their work.

Building adoption through employees and leaders

Results at a glance