Tuesday, 9:12 am. This lands in accounts payable.

Harborview Interiors pays Meridian Commercial Supplies every month. Today, James in accounts payable gets this. It looks routine — supplier, invoice number, letterhead tone. Every year, emails exactly like it redirect billions.

Updated banking details — INV-2214 (overdue)

From: Daniel Whitmore <accounts@meridian-supplies-au.com>

Reply-to: accounts.meridian@fastmail-secure.com

To: accounts-payable@harborview-interiors.example

Hi,

Please be advised that we have recently switched banking providers. Kindly update our payment details before processing INV-2214 ($18,450.00), which is now overdue.

We would appreciate this being processed today to avoid disruption to your account.

Account name: Meridian Commercial Supplies
BSB: 083-004 · Account: 7742 9917

Regards,
Daniel Whitmore · Accounts Receivable

Takes James about two minutes.