GMO Aozora Net Bank adopts Simple Form's AI interviews after validation shows a 33% screening gain

Account-opening screening at financial institutions requires strict checks against money laundering and terrorist financing, so it typically means submitting many documents and waiting several weeks for review. Much of the process depends on human judgment, which creates workload and cost, and interviews held to understand a company's real business vary with each reviewer's experience, making consistent decisions an industry-wide challenge.

GMO Aozora Net Bank and Simple Form began validating Simple Form's AI interview product SimpleInterview in September 2025 and then moved to full adoption in the bank's corporate account opening screening. From May 11, 2026, eligible applicants going through the bank's corporate account opening navigator will take an AI interview of about 10 minutes, with no prior appointment needed. The AI generates interview questions for each company in real time from sources that include a Simple Form database of qualitative information on corporations, and applicants answer orally. SimpleInterview also automatically produces a comprehensive evaluation report that combines the interview record with the information the applicant declared and submitted, which reviewers use to grasp evaluation items and points to check.

During the validation that began in September 2025, the companies confirmed screening quality equal to or better than conventional screening, fewer document deficiencies, and a screening process that improved 33% over conventional screening, which the bank says can shorten the time from application to account use. The 33% figure compares account-opening rates and similar measures between conventional human screening and screening with AI interviews. Based on these results the bank moved to full adoption, and the two companies expect it to make account-opening decisions more consistent and transparent.

• Validate an AI interview against conventional screening on the same measures before moving to full adoption.
• Generate interview questions for each applicant's specific business so the interview probes the real business behind a corporate account application, not just the submitted documents.
• Give reviewers a consolidated report that combines the interview record with submitted information so they can cross-check and focus on points that need attention.