Interactive dialogue to clarify financial status and evaluate decision factors using household and asset data

Money Forward HOME, Inc. launched the “Money Forward ME” app (hereinafter referred to as “the App”), available on “Apps in ChatGPT”^*1 provided by OpenAI, starting Thursday, September 17, 2026. Once users authorize the connection, they can utilize “Money Forward ME” data within ChatGPT conversations to clarify their financial anxieties and questions through natural dialogue. Through the App, Money Forward HOME delivers a new financial experience for the AI era—going beyond money visualization to empower user decision-making.
*1: “Apps in ChatGPT” refers to apps that connect ChatGPT to external tools, information, and actions.

■Transformative Financial Experience Enabled by the App
By using the App, users can reference their deposit, withdrawal, and asset data from “Money Forward ME” directly within ChatGPT conversations, within the access scope authorized during connection. Users can gain valuable information to support future financial decisions, including organizing objective facts about their household finances and assets, comparing historical data, and simulating financial needs based on life events.

＜Before＞
Previously, when consulting generative AI about financial matters, users had to organize and input their household financial and asset information—such as opening banking apps to check balances, logging into brokerage accounts to list holdings, or pulling fixed expenses from credit card statements. While “Money Forward ME” users had these financial services aggregated in one place—reducing prep work via CSV exports or screenshots of assets and monthly reports—they still needed to prepare and share updated data in the chat window every time they initiated a new AI consultation.

＜After＞
Once users authorize the connection to the App, users can reference deposit and withdrawal information, household accounts, and asset and liability data from financial services linked in “Money Forward ME”—including bank accounts, credit cards, brokerage accounts, pensions, e-money, and loyalty points—directly inside ChatGPT conversations, eliminating data preparation effort and allowing them to start asking questions or seeking advice immediately.

[Inquiry Examples]
Leveraging household and asset data stored in “Money Forward ME” enables cross-service reviews across multiple financial accounts, as well as comparative analysis with past records.

• Household finance consultations: Organizing financial status across daily transactions, such as “Summarize statements across my bank accounts and cards to identify higher-than-usual spending and its causes,” or “Categorize recurring payments and highlight potential areas for savings based on past spending history.”

• Asset consultations: Assessing total assets and analyzing fluctuation drivers, such as “Consolidate my linked deposit and brokerage accounts to check the ratio of cash and deposits to investment assets,” or “Break down my asset changes since last month into changes from deposits and withdrawals versus investment performance.”

＜How to use＞
1. Log in to ChatGPT and search for “Money Forward ME” in the plugin directory.
2. Install the “Money Forward ME” plugin, select “Connect”, authenticate the “Money Forward ME” account, review the shared data types and access scope, and complete the connection.
3. Begin chatting.

■ Background of Offering the App in “Apps in ChatGPT”
In Japan, the adoption rate (usage experience rate) of generative AI is steadily rising^*2, driving growing demand to consult AI regarding everyday financial questions and concerns. A survey of 1,000 “Money Forward ME” users revealed that a total of 77.7%^*3 answered “Would definitely like to use” or “Would somewhat like to use” regarding integration with generative AI, demonstrating strong interest in connecting personal financial data with AI.

While “Money Forward ME” has traditionally helped users understand the current status of their household finances and assets through money visualization, Money Forward HOME believes it is crucial to support such processes as data-driven analysis and evaluating and comparing options, thereby delivering a financial experience beyond visualization. Offering the App marks the first step toward providing a new financial experience through dialogue with generative AI.

Through the App, users can leverage household and asset data from “Money Forward ME” to clarify financial anxieties and questions through natural conversations with ChatGPT. By enabling users to carry out thought processes previously done on their own—such as analyzing factors behind asset fluctuations, listing options, and making comparisons—through conversations with ChatGPT, Money Forward HOME provides an experience that extends beyond money visualization to support next actions and decision-making.

*2: See Ministry of Internal Affairs and Communications, “Outline of the 2026 White Paper on Information and Communications in Japan,” p. 4, “AI Use by Individuals—Behavioral Changes Caused by AI—,” July 2026 (https://www.soumu.go.jp/johotsusintokei/whitepaper/eng/WP2026_overview.pdf)
*3: Press release published on Thursday, September 17, 2026: “‘Money Forward ME’ Conducts Survey on Generative AI x Money Management”
Survey Period: June 30 – July 5, 2026 / Survey Target: “Money Forward ME” users / Valid Responses: 1,000 / Methodology: Online survey
(https://prtimes.jp/main/html/rd/p/000001676.000008962.html)(Japanese)

■ Purpose of the App and User Discretion
The purpose of the App is to allow users to smoothly review and grasp household budget and asset data within ChatGPT conversations as reference material for making well-informed decisions. While the App enables reference to data necessary for ChatGPT conversations, actual transactions—such as buying or selling financial products, withdrawals, or fund transfers—cannot be performed directly from the App itself. Responses from ChatGPT are intended for informational and planning purposes only and are not a substitute for professional financial or investment advice. Financial decisions and actual transactions remain the sole responsibility of the user, who is advised to consult a qualified professional as needed.

■ Handling of Data
Data connected through the App is strictly limited to information necessary for household and asset management (transaction details and asset/liability data). Credentials used to link financial services to “Money Forward ME” are never shared with ChatGPT. In addition, the App is designed such that “Money Forward ME” data cannot be updated from the App. Users can disconnect from ChatGPT at any time.

■ Future Developments
As part of its commitment to developing and providing services that solve financial challenges for everyone, Money Forward HOME has focused on leveraging AI technology to elevate financial experiences. “Money Forward ME” will continue to serve as a “financial partner” helping users fulfill their own unique lives and lifestyles—utilizing AI technology to develop features and services that lead to daily household and asset management, financial problem-solving, and future wealth building.
Additional ways to combine various AI services with “Money Forward ME” are introduced below.
・”Money Forward ME” Service Site: “Move your money management forward with AI” (Japanese)

■ About the Personal Finance Visualization Service “Money Forward ME”
“Money Forward ME” is a personal finance visualization service that anyone can easily continue using. It automatically aggregates bank and brokerage accounts, credit cards, and other accounts currently in use, and creates a household accounting book. By centrally managing household finances and assets and understanding money flows and current asset status, it helps users take the first step toward eliminating financial anxieties.
・Service URL: https://moneyforward.com/me (Japanese)

■ About Money Forward HOME, Inc.
・Name: Money Forward HOME, Inc.
Location: 21F Tamachi Station Tower S, 3-1-21 Shibaura, Minato-ku, Tokyo 108-0023
Representative: Naoya Kanesaka, President and Representative Director
Establishment: August 2024
Business: Development and provision of services for individual users, such as PFM
URL: https://corp.hm.moneyforward.com/
Main Services:
Money visualization service “Money Forward ME”: https://moneyforward.com/me

* All company names, product and service names, and logos are trademarks or registered trademarks of their respective owners.

For further information, please contact:
PR Division, Money Forward, Inc.
Email:pr@moneyforward.co.jp