Fraud prevention reduced from hours to seconds.

ScotPac Business Finance

Sector: Finance
Stage: AI Adoption and App Development
Deliverables: Design Workshop, AI Roadmap, AI software development

We replaced a manual debtor verification routine that took hours with an AI-powered web app that delivers results in seconds, doubling the number of checks auditors can run and accelerating customer approvals.

INTRODUCTION

  
    
  ScotPac is Australia’s largest non-bank business lender.
  Their verification officers were spending hours cross-checking debtor details
  across disparate websites, PDFs and phone calls—
  slowing funding decisions.
  Following an AI Design Sprint,
  we were asked to make the fraud-prevention process AI-capable fast,
  freeing staff time and unlocking growth.
  Our goal: embed generative-AI automation that shortens due-diligence cycles,
  widens risk coverage
  and keeps auditors firmly “in the loop”.

  
  

VISION

Embed AI into everyday risk checks - seamlessly and responsibly - so bona-fides happen at the speed of business.

Our goal: embed generative-AI automation that shortens due-diligence cycles, widens risk coverage and keeps auditors firmly “in the loop”.

TRAINING AND USE CASES

From Executive Curiosity to a Shared Sense of Urgency

We began with executive AI alignment sessions for the ScotPac executive team, showing finance-specific generative AI use-cases and demos. The session set a common language and urgency around gen-AI adoption.

“Our collaboration with Time Under Tension has truly revolutionised how we approach generative-AI innovation at ScotPac.”

Ben Cutler
Chief Customer & Marketing Officer, ScotPac

Co-designing Opportunities

USE CASES & AI ROADMAP

Next we facilitated a half-day Design Workshop. Together we mapped 30+ AI ideas; the digitised bona-fide process ranked #1 for impact, promising major time savings .

In two weeks we built a Proof of Concept for “BonAI fide”: a web app that ingests a CSV of debtors, scans multiple data sources, and surfaces a traffic-light risk view.

The PoC proved it could run twice as many checks as the previous manual workflow. After a three-month pilot, ScotPac green-lit full production roll-out across verification teams.

The app is now in full production, with ScotPac verification teams relying on BonAI fide every business day.

Pilot & Scale

Early Adoption, Rapid Feedback and Measurable Impact

SOLUTION

AI Risk Assistant Built
30+ Use Cases Mapped
PoC to Prod in 90 Days

What used to take hours now takes seconds. BonAI fide doubled the number of debtor checks auditors can run in a day, accelerated customer approvals, and widened risk coverage across verification teams. After a successful three-month pilot, ScotPac rolled the solution out to production — with auditors firmly in control at every step..