Question 1

How can AI speed up debtor verification in financial services?

Accepted Answer

Time Under Tension built BonAI fide for ScotPac—Australia's largest non-bank business lender—replacing a manual verification routine that took hours with an AI-powered web app that delivers results in seconds. The app ingests a CSV of debtors, auto-enriches records via APIs and web-scraping, runs a street-view image check to confirm physical presence, and surfaces a traffic-light risk view. Auditors now run twice as many checks per day, accelerating funding decisions and improving the customer experience.

Question 2

What does an AI fraud-prevention tool for lending actually look like?

Accepted Answer

BonAI fide is a browser-based web app built for ScotPac's verification teams. Auditors upload a debtor list and the app does the heavy lifting—scanning multiple data sources, applying GPT-4 risk synthesis, and returning clear pass, warn, or fail signals for each record. A street-view vision model confirms physical business presence. Every decision is backed by an audit trail export for compliance, and an admin console lets ScotPac tune risk thresholds to their own policies. Fast, thorough, and fully explainable.

Question 3

How do you get a financial services leadership team aligned on AI adoption?

Accepted Answer

Time Under Tension ran a 90-minute Inform session for ScotPac executives before any technology was built. The session used finance-specific AI use-cases and live demos to establish a shared language around generative AI and build urgency around adoption. This alignment at the top is what enabled the project to move from idea to pilot to full production roll-out—with executive support throughout.

Question 4

How do you identify the highest-impact AI use case across a large financial services business?

Accepted Answer

Time Under Tension facilitated a full-day Design Workshop with ScotPac, mapping over 30 potential AI opportunities across the business. The digitised debtor verification process ranked number one for impact—affecting 40 to 50 staff and promising significant time savings. This structured co-design process ensures AI investment is directed at the problems that matter most, rather than chasing technology for its own sake.

Question 5

How quickly can you build an AI proof-of-concept for a compliance workflow?

Accepted Answer

Time Under Tension built the first working version of BonAI fide in two weeks. Starting from the priority use case identified in the Design Workshop, the team built a functional web app capable of running automated debtor checks at scale. The proof-of-concept demonstrated it could handle twice the verification volume of the existing manual process—giving ScotPac the confidence to green-light a three-month pilot, which then led to full production roll-out.

Question 6

How do you keep humans in control when AI is making risk decisions?

Accepted Answer

BonAI fide was designed from the outset to keep auditors firmly in the loop. The app surfaces clear pass, warn, or fail signals rather than making autonomous decisions—giving verification officers the information they need to act quickly and confidently. Every output is backed by an audit trail for compliance, and risk thresholds are adjustable via an admin console. The goal was always AI assistance, not AI replacement.

Question 7

What does it cost a lending business to run manual debtor verification?

Accepted Answer

For ScotPac, manual debtor verification meant officers spending hours cross-checking details across websites, PDFs, and phone calls for every funding application. That time cost slowed funding decisions, frustrated customers waiting for approvals, and capped the number of checks teams could run. The hidden cost was also in growth—verification bottlenecks were limiting the volume of business the team could process. BonAI fide eliminated that ceiling.

Question 8

What's the right way to take an AI proof-of-concept into production in financial services?

Accepted Answer

Time Under Tension used a phased approach with ScotPac: build a focused proof-of-concept, run a structured three-month pilot with real users, then roll out to production once performance was validated. This de-risked the investment and gave ScotPac's leadership clear evidence before committing to full deployment. BonAI fide is now live across ScotPac's verification teams and used every business day.

Question 9

Can AI tools be trained on a company's own risk and compliance policies?

Accepted Answer

Yes—and for compliance-sensitive workflows, this is essential. BonAI fide was built specifically for ScotPac's policies and risk thresholds, not as a generic off-the-shelf tool. Time Under Tension embedded ScotPac's verification standards directly into the app, with an admin console that allows thresholds to be tuned as policies evolve. The result is an AI tool that reflects the organisation's own risk appetite, not a one-size-fits-all model.

Question 10

How do I start an AI project for our risk or compliance team?

Accepted Answer

Get in touch with Time Under Tension at hello@timeundertension.ai. Our typical starting point is an Inform session to align your leadership team, followed by a Design Workshop to identify and prioritise your highest-impact AI opportunities. From there we move fast—building a proof-of-concept in weeks, not months. Our work with ScotPac shows what's possible when the process is structured well: from first conversation to production web app, with measurable results at every stage.

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