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.
INTRODUCTIONScotPac 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”.
VISIONEmbed 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 a 90-minute keynote 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
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 .
USE CASES & AI ROADMAP
Co-designing Opportunities
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
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..
RESULTS
30 marketers trained, three cross-functional squads formed to pilot the top-ranked use cases within six weeks of the workshop.
After the workshop, it was clear: the team didn’t just need skills. Words here.
Rolled out across engineering, safety, and field teams — 65% of QR staff used the portal in its first three months.
Adoption Highlight
Questions answered on first try, reducing follow-ups and inefficiency.
Query Success
Manual search eliminated 40h per employee — freeing up team time for higher-value work.
Hours per week saved
New hires reach competency four times faster with streamlined access to answers.
Faster On-boarding
Platform, Many Uses
Same stack now powers both the knowledge portal and a training avatar, multiplying ROI.
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