Galgo cuts fraud evidence to under 2% using Zapier's GPT-5-mini
Ignacio Piñeiro, operations lead at Galgo, a Mexican fintech that finances motorcycles, built an AI‑driven fraud check after noticing that manual photo reviews took about three minutes each and cost roughly 150 hours per month. The company receives more than 3,000 delivery photos monthly, each required to prove a bike was actually delivered to the borrower. Using Zapier, the photos are sent to…
Key points
- Invalid delivery evidence fell from about 8% to under 2% after AI deployment
- Manual review time dropped from 150 hours per month to under 60 photos reviewed
- System automatically processes over 3,000 photos each month using GPT‑5‑mini via Zapier
Since the system launched in January 2026, Galgo reports that invalid delivery evidence dropped from roughly 8% to under 2% of submissions. Manual review time fell from 150 hours per month to fewer than 60 photos needing human attention. Piñeiro estimates the reduction prevents tens of thousands of dollars in first‑payment defaults and frees the fraud team to focus on truly suspicious cases.
How Ignacio Piñeiro scaled fraud control with exception-based AI review
Zapier Blog · 23 September 2026
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