Australian Payments Plus moves faster with ChatGPT and Codex

Australian Payments Plus⁠(opens in a new window), or AP+, operates payments and identity infrastructure across Australia. It sits at the center of the payments ecosystem, supporting products and services used by millions of people every day.

Its teams work across scheme rules, technical specifications, member obligations, operational processes, cybersecurity and resilience, and regulatory expectations, where speed matters but accuracy and accountability matter more.

That makes knowledge work unusually complex. Employees often need to synthesize large volumes of context and turn technical information into clear decisions, documents, and member-facing guidance. AP+ introduced ChatGPT Enterprise across the company to help employees move through that complexity faster, with Codex emerging as the next stage for product, engineering, and technical workflows.

“With AI, the goal is not simply greater efficiency, it is also about helping our people to do their best work.”

—Steve Reid, Chief People and Culture Officer, Australian Payments Plus

Accelerating technical investigation

Codex is helping AP+ technical teams investigate complex issues across payment systems. In one reconciliation instance, AP+ teams used Codex to trace a subtle timestamp inconsistency across system logs and reconciliation data, reducing days of manual investigation to minutes.

For AP+, this shows how AI can help technical teams investigate complex issues more efficiently in a demanding payments environment. AP+ is also exploring how Codex can assist security teams in areas such as threat modeling, vulnerability analysis, alert triage, and visibility across interconnected systems.

These early use cases show how AI can help specialists investigate complex issues faster while keeping human experts accountable for risk decisions, validation, and response.

Moving faster through payments complexity

—Jason Backhouse, Chief Operations and Delivery Officer, Australian Payments Plus