Rakuten Group, Inc. and Rakuten Card Co., Ltd. today announced the launch of an AI agent, developed by Rakuten, on the Rakuten Card Lite app, an English language app designed for Rakuten Card members. The new AI agent is available on Android and iOS devices from February 19, 2026.  

Rakuten is advancing Rakuten AI technology under the concept of empowering society and individuals through innovation, creativity and collaboration. The company aims to leverage AI agents as a gateway to the Rakuten Ecosystem, seamlessly connecting users to diverse services and delivering increasingly personalized experiences. 

The new AI agent launched on Rakuten Card Lite leverages its robust transaction data to offer users a personalized user experience based on their Rakuten Card credit card statement data. It summarizes monthly spending amounts in chronological order and shows selected statements within a designated period.  

The AI agent can also show users estimated spending amounts for specific usage categories, such as “supermarkets” or “restaurants.” The service is available free of charge to all Rakuten Card members, who can converse with the AI agent in both English and Japanese. 

Rakuten is promoting the use of AI in all aspects of its businesses to achieve further growth, as part of its "AI-nization" initiative. Going forward, the company will continuously improve and expand the capabilities of Rakuten AI, expanding its support to encompass even more of the Rakuten Ecosystem.  

Rakuten Card is committed to providing customers with secure and easy-to-use financial services to improve daily convenience and enrich lives. The company will continue to enhance services and features to adapt to societal changes and diverse customer needs.