Joyo Bank Launches In-house Use of Business-Specific AI Agent 'JOYO AI AGENT'

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Joyo Bank has launched 'JOYO AI AGENT,' a business-specific AI agent, for internal use starting March 26, 2026. Developed with Athena Technologies, a Matsuo Lab startup, the agent operates in a secure, closed environment isolated from the internet. Its implementation follows a successful trial that verified its effectiveness in improving business operations while ensuring data security.

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Joyo Bank has launched 'JOYO AI AGENT,' a business-specific AI agent, for internal use starting March 26, 2026. Developed with Athena Technologies, a Matsuo Lab startup, the agent operates in a secure, closed environment isolated from the internet. Its implementation follows a successful trial that verified its effectiveness in improving business operations while ensuring data security.

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Source: aeo://article/32 | Date: Date unavailable

Joyo Bank (President: Tetsuya Akino) announces that it has built and commenced internal use of 'JOYO AI AGENT,' a business-specific AI agent (hereafter, local LLM) that operates in a closed environment completely isolated from the internet, starting 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. This experiment confirmed the system's effectiveness in enhancing and streamlining operations while protecting confidential internal information and customer personal data, leading to the decision to formally adopt it. The Bank will continue to actively utilize the latest technologies to enhance management efficiency, establish a stable management base, and contribute to the sustainable growth of the local community by sharing the knowledge gained through internal use. *A 'startup from the Matsuo Lab' refers to 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 collaborate in nurturing future talent. (Registered Trademarks No. 6667237, No. 6710069) 1. Background 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 the generative AI system environment on a closed cloud that is physically separated from the external internet. Furthermore, it is designed with scalability for adding new features, as it implements multiple agents specialized for each business use case. For ease of use, it features a 'prompt-less' user interface where processes can be executed simply

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