[9/18 5 AI & Tax News Picks] Money Forward ME integrates with ChatGPT. Invoice deduction drops to 70%, 75% of accounting firms use AI, and accounting AI enters the next phase

Good morning, this is Tekona.

...Oh? The date has changed, hasn't it? (laughs)

Last time, I tried connecting Misoca to Claude to see if it could really create invoices.

The result was,

"Wow, Misoca really works from Claude...!"

and that was that.

One night later, it's Money Forward's turn (laughs).

Starting September 17th, household and asset data from "Money Forward ME" can now be referenced from within ChatGPT.

Yesterday,

Claude → Misoca

Today,

ChatGPT → Money Forward ME

is the theme.

The speed at which AI, business systems, and financial data are connecting is truly fast.

Now, here are today's 5 AI and tax news picks.

1. Invoice transitional measure changes from "80% to 70%" starting October 1st. Jobcan Accounting provides support.

First, tax practice.

Starting October 1, 2026, the transitional measure for purchase tax credits regarding taxable purchases made from non-qualified invoice issuers will be revised.

The current deductible ratio of 80% will become

Ministry of Finance documents also show the schedule after the revision as:

70% from October 2026

showing a gradual reduction.

In line with this, Jobcan Accounting began providing a feature to support the 70% deduction on September 17th. It allows the deduction ratio to be determined based on the transaction date.

Be careful with this in practice.

"It's October, so everything is 70%"

It is not.

You need to verify the transaction date and whether the business partner is an invoice-issuing entity.

Especially from the end of September through October,

there may be cases where you need to confirm,

“When was this transaction purchased?”

It is helpful that accounting software handles this.

However,

just because it is configured does not mean it is correct;

you still need a human to verify

whether the original transaction information is accurate.

I have been saying this a lot lately (laughs).

Whether it is AI or accounting software,

the machine processes it.

A human verifies it.

That is the process.

2. Money Forward ME appears in "Apps in ChatGPT"

And today, this is the news I am most excited to try out.

On September 17, Money Forward launched "Money Forward ME" as an app available within "Apps in ChatGPT."

Once a user grants permission to connect,

bank accounts,

credit cards,

securities accounts,

pensions,

electronic money,

and points

and other income/expenditure, household budget, asset, and liability data consolidated in Money Forward ME can be referenced during conversations with ChatGPT.

For example, the official announcement suggests uses such as:

“Summarize the statements from multiple bank accounts and cards, and tell me about expenses that have increased compared to usual and the reasons why.”

“Check the ratio of cash/deposits to investment assets.”

“Break down the change in assets since last month into changes from income/expenditure and changes from investment performance.”

Until now, the process was:

Open Money Forward ME

View data

Prepare CSV or screenshots if necessary

Pass to ChatGPT.

From now on,

you can simply ask ChatGPT

to reference and analyze that data.

This is quite close to the personal version of

“talking to data”

that I demonstrate with Data Agent.

However, there is a major difference from yesterday's Misoca.

This is important.

The Misoca MCP I tried yesterday allows you to

create invoices from AI

—an 'action' you can perform.

On the other hand, according to the official explanation, the current Money Forward ME app focuses primarily on data reference.

You cannot rewrite Money Forward ME data from ChatGPT, nor can you buy or sell financial products, make transfers, or withdraw funds.

In other words,

Misoca

→ 'Execute' tasks via AI

Money Forward ME

→ 'Analyze' data via AI

—that is the difference.

This distinction is quite important.

Checking how data is handled

According to Money Forward, the only household and asset management data shared with ChatGPT is within the scope permitted by the user.

The actual authentication credentials used to connect to financial institutions like banks are not shared with ChatGPT.

Also, the connection can be revoked.

Don't just connect because it's convenient.

Instead,

What can be seen?

What can be done?

What cannot be done?

Check these things before you use it.

……And, I want to try this out too (laughs)

3. 75% of accounting firms have experience using generative AI. But 70% have no rules in place

This really caught my attention.

According to the 'Accounting Firm White Paper 2026' published by Miroku Jyoho Service,

the number of people who have used generative AI at accounting firms is...

Fiscal 2024 39%

Fiscal 2026 75%

It has increased to this level.

The survey targeted 212 people, including accounting firm staff.

Furthermore, among those with experience using generative AI,

32% use it daily,

46% use the paid version,

according to the results.

Up to this point,

"AI has really permeated the industry, hasn't it?"

is the narrative.

The problem starts here.

About 70% have "no established" rules for using generative AI

Regarding rules and restrictions when using generative AI in the workplace,

about 70% have nothing in place.

Also, the most common concern regarding AI usage was

"leakage of confidential information"

this.

This is

what I have been saying all along regarding AI implementation support.

Implementing AI.

Before that,

you need to decide what is okay to input,

how much customer information can be handled,

which AI is okay to use,

whether personal accounts are okay to use,

and who will verify the AI's answers.

As convenient AI services become increasingly interconnected,

jumping on them just because they are "useful!"

is dangerous.

And what is interesting is that

regarding AI output,

52% answered that they "always verify with another information source before using it."

In tax and accounting, I think this attitude is very important.

Have AI look things up.

But in the end, look at the primary source.

It is exactly what we do every morning.

4. US-based Mercury integrates accounting software "Mercury Books" into its banking platform

Overseas, the boundaries between accounting software and banks are beginning to disappear.

On September 16, U.S.-based Mercury announced "Mercury Books".

It is a double-entry accounting feature that automatically imports data such as bank transactions, cards, invoices, and payments, and uses AI to categorize and reconcile them.

In other words, it is not "bank

to

accounting software integration," but rather "the

accounting software is inside the bank."

It supports both cash and accrual accounting and is designed to allow accountants and bookkeepers to be invited to use it together.

What is even more interesting is that you can ask questions or request bookkeeping tasks in natural language to an AI called "Mercury Command."

In the future, in addition to accounting APIs, an "MCP layer" is also planned.

MCP again (lol).

It really comes up every single day.

Yesterday it was Misoca.

Today it is Qount.

And now Mercury is also planning MCP.

AI is changing from an entity that asks questions from outside the software to an entity that "operates the accounting system itself."

5. Qount connects accounting firm "management data" to ChatGPT and Claude

The last one is also about MCP.

On September 17, Qount, a U.S.-based practice management service for accounting and tax firms, announced the "MCP Connector."

This allows

ChatGPT

Claude, and other MCP-compatible AIs

to access the accounting firm's business data stored in Qount.

The scope includes

client activities

business workflows

man-hours

billing

, staff utilization status, documents, communication, and more.

For example, use cases include asking the AI in natural language questions such as

"Which clients are candidates for a price increase?"

"What work is past its deadline?"

, and "Which services have declining profit margins?"

This is also interesting.

With Misoca, it is

AI x Invoices.

In Money Forward ME,

AI × Household & Assets.

In Mercury,

AI × Banking & Accounting.

In Qount,

AI × Accounting Firm Management.

The scope of what AI connects to is expanding rapidly.

And in the future,

"Which AI are you using?"

might become a less important question than

"What is that AI connected to?"

Today's Summary

Yesterday, when I connected Misoca to Claude, I wrote that

"the era of AI operating accounting software has arrived."

Looking at today's news, it wasn't just that.

AI is

looking at household data.

looking at bank data.

performing accounting tasks.

looking at firm management data.

And humans make decisions based on that.

This is the trend.

On the other hand, while 75% of accounting firms are using generative AI,

survey results show that about 70% have not yet established usage rules.

As things become more convenient,

we need to understand

"what the AI is connected to,"

"what information it can see,"

and "what operations it can perform."

When I connected Misoca to Claude yesterday,

it wasn't just "It connected, amazing!" but also

What can it see?

What can it do?

Where do humans verify it?

I checked these things.

The same applies to today's Money Forward ME.

Entrusting tasks to AI.

Having AI look at data.

But,

the final decision is made by a human.

I feel this structure has become a very important fundamental model for accounting and tax AI.

And...

Money Forward ME.

This makes me want to try it out too (laughs).

Even though I just tried Misoca yesterday.

When you follow AI news, your homework increases every day.

*This article is compiled based primarily on official information available as of September 18, 2026. For tax treatment, please check the latest information from laws, the Ministry of Finance, the National Tax Agency, etc. Additionally, when linking AI with external services, please use them only after confirming the scope of shared data, operational permissions, terms of service, and verification/approval procedures.

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