MUFG’s “MUTTO” Connects with Google Health, Putting Finances, Step Count and Sleep on One Screen
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Mitsubishi UFJ Financial Group, MUFG Bank and Moneytree announced on November 5 that they will launch a “finance x wellness” feature on MUTTO, their comprehensive financial services platform. Starting in mid-November, Moneytree and Google Health will be connected via API, allowing users to view asset balances and transaction records alongside health data such as step counts and sleep in a single app. The roadmap calls for an AI feature that analyzes both sets of data in the first half of fiscal 2027, point rewards tied to healthy behavior during fiscal 2027, and an autonomous commerce offering that assists through to purchases during fiscal 2028. A lottery campaign to win Fitbit devices and other prizes will run alongside the new feature.
Key Elements
Mitsubishi UFJ Financial Group (MUFG), MUFG Bank and their consolidated subsidiary Moneytree, which operates an asset management app, announced on November 5 that they will begin offering a “finance x wellness” feature on MUTTO, their comprehensive life-stage financial services platform. The service will connect the Moneytree asset management service and Google Health via API, enabling users to check household finance and health data in a single app. The launch is expected in mid-November, with plans to expand in stages through fiscal 2028 to include AI-driven analysis and purchase support.
The tie-up is the first concrete outcome of the strategic retail partnership MUFG agreed with Google in May. In the first stage, “Phase 1,” the service will connect to the Google Health API with user consent. Within Moneytree, users will be able to view financial information such as deposit balances and credit card transaction records side by side with wellness data including step counts, calories burned, activity levels and sleep.
On data handling, Google Health said it will not establish any mechanism to obtain Moneytree’s financial data. Given that the service handles highly sensitive financial and health information, both companies stressed their attention to security and privacy. In the mid-November update, the companies will simultaneously expand household budgeting features, the points program and the infrastructure for connecting with financial institutions.
The feature expansion will proceed in four stages. An overview of each stage is below
| Stage | Target timing | Main content |
|---|---|---|
| Phase 1 | Mid-November 2026 | Connect with Google Health API to display financial and wellness data in one place |
| Phase 2 | First half of fiscal 2027 | AI cross-analyzes both data sets, generating graphs and indicators and offering individualized recommendations |
| Phase 3 | During fiscal 2027 | Award “MUTTO Points” and coupons for achieving healthy behaviors |
| Phase 4 | During fiscal 2028 | “Agentic Commerce” concept in which AI assists from product and service proposals through to purchase |
Note: Compiled based on company announcements
In Phase 2, the companies will introduce an “AI Insights” feature in which AI analyzes financial and wellness data in combination. It will generate graphs and indicators on the dashboard and surface insights tailored to the user’s lifestyle, such as a suggestion comparing a gym membership fee with actual activity levels. The companies are also considering a mechanism to share analysis results with family members and others, subject to the individual’s consent.
Phase 3 aims to establish daily healthy habits, awarding MUTTO Points or coupons usable at partner businesses for meeting step-count targets and other goals. In Phase 4, the companies aim to realize “Agentic Commerce,” an autonomous commerce model in which AI compares and presents products and services aligned with user interests and supports the entire process through payment. The goal is to design a purchasing experience in which users retain control.
Google Cloud Japan will cooperate on these initiatives by providing expertise on AI agents, technical support for the generative AI model Gemini and a financial-grade security infrastructure. As an attempt to combine banking transaction data with generative AI, the effort is likely to raise the question of how far financial institutions should entrust operations to AI on external clouds
To coincide with the launch of the new features, MUFG Bank and Moneytree will begin a joint campaign, the “Finance x Wellness Start Support Campaign: ‘Building Up What You Can Do for the Future,'” at noon on November 6. With Google’s cooperation, 10,000 applicants who meet the conditions will be selected by lottery to receive a Google Fitbit Air wearable device together with a one-year subscription to the paid Moneytree Grow plan (3,900 yen annually, about $25). The aim is to encourage both healthy behavior and asset building.
Commenting on the announcement, Tadashi Yamamoto, MUFG managing executive officer, head of the Retail & Digital Business Division and group CDTO, said: “Knowing yourself now is the first step toward a better future, and we want to support each person’s prosperous and healthy future from both the financial and wellness sides.” Amy McDonough of Google (managing director of strategic health solutions) expressed hope that providing Fitbit devices and the Google Health API will deliver meaningful value to daily life. Moneytree President and Representative Director Paul Ashley Chapman said that by adding a wellness perspective to Moneytree, which has supported money management to date, the company wants to create new experiences of insight and action that connect people’s lives.
Moves by financial institutions to handle health data remain limited in Japan. This initiative, which brings external health data into a megabank’s platform, will be a test of how far a service design that links lifestyle information to asset-building advice can win user support. The next focus will be whether MUTTO can leverage its user base to expand revenue opportunities into AI analysis and purchase support.
