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Customer Story - Lloyds Banking Group: Reducing Smishing and Phishing Losses for consumers and employees

INDUSTRY: Financial Services

WEBSITE: www.lloydsbankinggroup.com

Lloyds Banking Group is a leading UK-based financial services group that provide a wide range of banking and financial services, focused primarily on retail and commercial customers. Lloyds Banking Group's purpose is Helping Britain Prosper. They achieve this by creating a more sustainable and inclusive future for people and businesses, shaping finance as a force for good.

The Challenge - Rising Smishing Attacks on Bank Customers

• In 2021, the UK reported £1.3 billion in fraud and cybercrime losses, with smishing attacks — fraudulent texts impersonating banks — among the fastest-growing threats.
• 39% of the attacks we noticed impersonated the banks such as Lloyds Bank, Halifax and Bank of Scotland, while 26% impersonated parcel delivery companies
• Across the industry, typical calls about fraud take on average 23+ minutes at first contact from a customer service representative, and weeks often spent investigating scams. For Lloyds Banking Group, one of the UK’s largest retail banks, these scams posed a dual challenge: protecting customers from losing money and preserving customer trust in digital channels. Lloyds sought innovative solutions to detect attacks faster and support customers more efficiently.

Our Solution

PORGiESOFT worked with the Chief Resilience & Security Office, Deputy CISO, Fraud and Innovation teams at Lloyds Banking Group to develop, pilot and demo its Cyber-Fraud Detection as a Service (CfDaaS) and SenseText™ platform, resulting in excellent outcomes. Together, the solutions enabled Lloyds to explore:

• Providing instant checks for suspicious SMS via API, web portal, or dedicated SMS short code

• Analysing messages with explainable AI, combining linguistic cues, emotional tone, and fraud transaction analytics to flag scam texts in seconds

• Training and support consumers and bank customers by giving clear reasons why a message was risky, improving cyber awareness and resilience

• Gathering intelligence by social media teams or feeding incidents and threat intelligence back into fraud teams, enhancing their visibility of emerging brand impersonation campaigns

Results:

• Fraud Loss Reduction & Intervention: Modelled outcomes suggest up to 85% reduction in SMS-phishing losses, equating to £54M per year in potential savings

• Time Savings: Reduced investigation workloads by over 160 hours per fraud analyst, with consumers saving an estimated 21 minutes per check compared to hotline calls

• Operational Efficiency: Faster handling of fraud queries allowed customer service teams to resolve cases at lower cost (est. £10 saved per call)

• Consumer Trust: Customers gained confidence through faster responses and actionable insights, strengthening brand loyalty

Colleagues at LBG from the Chief Resilience & Security Office, Innovation, Fraud and Group Security & Fraud said: “This is really interesting – we immediately saw how it could reduce phishing and smishing losses for our teams and customers.” "This looks great [and the roadmap in terms of reporting] makes a lot of sense." “The education element is really useful; it not only flags risks but helps colleagues and customers understand why a message is fraudulent.”

Customer Story – AfDB: Exploring Strategic Collaboration to Transform Education in Africa

INDUSTRY: Development Finance/Education

WEBSITE: www.afdb.org

The African Development Bank (AfDB) Group is a regional multilateral development finance institution established to contribute to the economic development and social progress of African countries that are the institution’s regional member countries (RMCs). The AfDB was founded following an agreement signed by member states in 1963, which became effective a year later.

The Challenge – Building Skills for the Fourth Industrial Revolution

• Across Africa, millions of students face barriers to quality education due to gaps in infrastructure, digital access, and teacher support. The African Development Bank (AfDB) identified education and skills as a cornerstone of its strategy to prepare Africa’s youth for the Fourth Industrial Revolution (4IR) — an era defined by AI, automation, and digital transformation

• As AfDB’s Education and Skills for the Fourth Industrial Revolution vision highlights, Africa is not short of ingenuity, but scaling innovation requires new platforms, partnerships, and digital learning models that can reach millions

• Across the continent, millions of students and teachers still face barriers to quality learning, digital skills, and access to innovative tools

Our Engagement – Aligning with AfDB’s Education Agenda

In early 2020, PORGiESOFT engaged AfDB’s education team to explore a strategic partnership in EdTech. The discussion centred on how AI-powered Personal Assistants could support AfDB’s mission by:

• Helping students build critical thinking, research, and collaboration skillsfor 21st-century careers
• Providing teachers with digital tools and infrastructure to monitor progress and guide learning outcomes
• Leveraging AI and agile delivery models to deploy scalable, low-cost education solutions across multiple African markets
• Directly aligning with AfDB’s SDG 4 (Quality Education)and its focus on digital skills for Africa’s youth

Impact & Strategic Alignment:

This engagement demonstrated how PORGiESOFT’s technology vision could complement AfDB’s broader development agenda by:

• Highlighting the role of AI in accelerating digital learning and teacher support
• Providing a framework for scalable, pan-African delivery of education innovation
• Showing strong alignment with AfDB’s 4IR education priorities and SDG commitments

“We saw a unique opportunity to combine AfDB’s reach and expertise with our technology to help Africa leapfrog into 21st-century education. Together, we could transform how millions of students and teachers access quality learning.” - George Brown, CEO, PORGiESOFT

Customer Story - Jephthah International: Empowering staff and learners globally with AI infrastructure

INDUSTRY: Education

WEBSITE: www.jcss.ng

Jephthah International, a leading educational institution, was seeking innovative ways to prepare students and academic staff for a digital-first future. The educational institution has produced students in various higher institutions in Ukraine, Canada, Caribbean Island, the UK, and USA. The institution is a centre for BECE, WASSCE, NECO, Cambridge GCE and IGCSE and American organised examinations such as: PSAT, SAT and ACT. Traditional tools and methods could not keep pace with the fast-changing expectations of parents, universities, and global employers. Teachers also needed support to make learning more engaging while developing students’ digital and critical thinking skills.

The Challenge - Building Digital Skills Despite Limited Infrastructure

• When Jephthah International looked at student performance in the mid-2000s, they recognised a gap: graduates lacked digital fluency, research skills, and global awareness. Teachers found it difficult to go beyond traditional methods.

• Infrastructure was also a challenge: limited digital resources created barriers to adopting technology at scale. Despite this, leadership set a bold vision: integrate technology into every classroom to improve learning outcomes by across key subjects and ensure functions are technologically enabled

Our Solution

Through its collaboration with PORGiESOFT, Jephthah International became one of the first institutions to pilot our EdTech AI Personal Assistants (“Samantha™” and “Dr. Jane™”). PORGiESOFT worked closely with executive leadership and senior leaders across the institution. These AI-driven assistants were designed to:

• Reduce the time it takes to create PDF and .RTF digital documentation from hours to minutes, providing technical academic guidance, resources and robust infrastructure

• Provide students with an interactive, personalised learning companion for research, writing, and problem-solving

• Support teachers and academic staff with classroom integration of AI tools, improving lesson planning, career development and student engagement

• Enable parents and educators to track student learning outcomes, bridging communication between school and home

• Reduce barriers of digital inequality by bringing advanced AI-driven education technology to the classroom
  

Results:

• Increased Student Confidence: Students gained confidence in research, analysis, and global communication skills

• Higher Engagement: Lessons became more interactive and learner-driven, boosting motivation

• Skill Development: The AI assistants encouraged curiosity, critical thinking, and problem-solving abilities

• Recognition: Jephthah became a recognised early adopter of technology AI in education within Nigeria

Mr Arnold Omale said: "Without a doubt, teaching and learning efficiency has greatly increased since the advent of the use of technology almost 10 years ago. We have recorded nearly 35% increase in the fulfillment of our school wide expected student outcomes. Staff professional development programmes are more successful and most importantly students have taken up greater ownership of learning. We have observed that students are more research minded, better critical thinkers, and more globally minded. Teaching is more fun, learning is more adventurous and performances of staff and students has increased."

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