Joyo Bank Launches In-House, Business-Specific "JOYO AI AGENT"
Key facts
- Joyo Bank Launches In-House, Business-Specific "JOYO AI AGENT"
- Joyo Bank has launched "JOYO AI AGENT," a business-specific AI agent operating in a closed, secure environment isolated from the internet. Developed with Athena Technologies, a startup from the University of Tokyo's Matsuo Lab, the system aims to enhance operational efficiency and sophistication while ensuring the security of confidential and personal information. The initial version, released in March 2026, includes a "prompt-less" translation function for specialized financial documents, with plans to expand its use cases across various departments.
- Date: March 30, 2026
Direct answer
Joyo Bank has launched "JOYO AI AGENT," a business-specific AI agent operating in a closed, secure environment isolated from the internet. Developed with Athena Technologies, a startup from the University of Tokyo's Matsuo Lab, the system aims to enhance operational efficiency and sophistication while ensuring the security of confidential and personal information. The initial version, released in March 2026, includes a "prompt-less" translation function for specialized financial documents, with plans to expand its use cases across various departments.
- Citation
- Joyo Bank Launches In-House, Business-Specific "JOYO AI AGENT" (March 30, 2026)
- Source
- PR Times
- Date
- March 30, 2026
Joyo Bank has launched "JOYO AI AGENT," a business-specific AI agent operating in a closed, secure environment isolated from the internet. Developed with Athena Technologies, a startup from the University of Tokyo's Matsuo Lab, the system aims to enhance operational efficiency and sophistication while ensuring the security of confidential and personal information. The initial version, released in March 2026, includes a "prompt-less" translation function for specialized financial documents, with plans to expand its use cases across various departments.
📋 Article Processing Timeline
- 📰 Published: March 30, 2026 at 06:10
- 🤖 AI Analyzed: May 26, 2026 at 21:27 (1383h 16m after Published)
Joyo Bank (President: Tetsuya Akino) announces that it has built "JOYO AI AGENT," a business-specific AI agent (hereinafter referred to as a local LLM) that operates in a closed environment completely isolated from the internet, and has started its in-house use from March 26, 2026.
Since July 2025, the Bank has been conducting a proof-of-concept experiment for a local LLM in collaboration with Athena Technologies Inc. (CEO: Takeru Abe), a startup from the Matsuo Lab* that develops generative AI solutions. The effectiveness of this system in enhancing the sophistication and efficiency of operations while protecting confidential internal information and customer personal data was confirmed in this experiment, leading to the decision to implement this system.
The Bank will continue to enhance management efficiency by actively utilizing the latest technologies, strive to establish a stable management base, and contribute to the sustainable growth of the local community by returning the knowledge gained through in-house use to the region.
*"Matsuo Lab Startups" are a select group of startups founded by alumni of the Matsuo Lab or with its support, recognized for their growth potential in both technology and business, who share the lab's philosophy and work together to train the next generation. (Registered Trademarks No. 6667237, No. 6710069)
Details
1. Background of Introduction and Features of "JOYO AI AGENT"
In recent years, while there has been a demand for operational efficiency through generative AI in banking, ensuring the security of data, including confidential and personal information, has become a critical issue.
"JOYO AI AGENT" achieves high security and reduces the risk of data leakage by building its generative AI system environment on a closed cloud that is physically isolated from the external internet. Furthermore, it is designed with scalability for adding new functions, as it implements multiple specialized agents for each business use case.
In consideration of usability, it features a "prompt-less" user interface where processes can be executed just by uploading a file and clicking a button. This allows bank employees without specialized knowledge of AI to use it smoothly.
2. Implemented Functions (Use Cases)
In this project, along with the construction of the AI agent platform, we have implemented functions in the following two business areas whose effectiveness was confirmed during the proof-of-concept. We will continue to expand the use cases available in "JOYO AI AGENT" for operations in various departments, including branch offices.
Function | Status | Function Overview |
Translation | March 2026 Release | Performs translation (English to Japanese or vice versa) of highly specialized documents, such as those in the financial sector, by capturing technical terms and context. |
| ... |
FAQ
What is the name of the new business-specific AI agent launched by Joyo Bank?
The new business-specific AI agent launched by Joyo Bank is called "JOYO AI AGENT".
When did Joyo Bank begin in-house use of the "JOYO AI AGENT"?
Joyo Bank started in-house use of the "JOYO AI AGENT" from March 26, 2026.
What is a key security feature of the "JOYO AI AGENT"?
A key security feature of the "JOYO AI AGENT" is that it operates in a closed environment completely isolated from the internet, reducing the risk of data leakage.
Which company collaborated with Joyo Bank on the proof-of-concept experiment for the local LLM?
Joyo Bank conducted the proof-of-concept experiment for the local LLM in collaboration with Athena Technologies Inc.
What was the primary objective confirmed during the proof-of-concept experiment for the "JOYO AI AGENT"?
The primary objective confirmed during the proof-of-concept experiment was the system's effectiveness in enhancing operational sophistication and efficiency while protecting confidential internal information and customer personal data.