MUFG aims to become AI-native with OpenAI

MUFG is one of Japan's largest financial groups, with Mitsubishi UFJ Bank at its core. Through banking, trust banking, securities, cards, leasing, and other financial services, MUFG supports individuals and businesses in Japan and around the world.

For MUFG, AI is more than an efficiency tool. The company sees it as a way to extend human thinking and creativity, helping employees and AI learn together as they build better financial services. To advance that vision, MUFG is working with OpenAI to roll out ChatGPT Enterprise across Mitsubishi UFJ Bank and create new AI-powered customer experiences.

In October 2024, MUFG began working with OpenAI to modernize financial operations and improve efficiency with generative AI. Beginning in 2026, Mitsubishi UFJ Bank began a phased rollout of ChatGPT Enterprise so that approximately 35,000 employees could use it in their daily work, as MUFG continues its journey toward becoming an AI-native company.

Building an AI-native foundation with OpenAI

MUFG is building the systems, environments, and culture that make AI part of everyday work. Its transformation combines top-down commitment from leadership with bottom-up enablement for employees using AI in daily workflows.

"I believe AI will fundamentally change the nature of finance," says Tadashi Yamamoto, Group CDTO at MUFG. "To bring AI into the organization quickly, it is important to have an environment and culture where every employee can use AI naturally."

OpenAI became MUFG's partner of choice for that shift. Yamamoto describes OpenAI as a hands-on partner from service design through implementation, helping MUFG pursue both customer-service innovation and banking transformation.

“OpenAI shared our vision of becoming an AI-native company. With its frontier technology and models, we saw a partner that could help us turn that vision into reality.”

Tadashi Yamamoto, Group CDTO, MUFG