Business owners: would this kind of vendor-payment fraud check actually help you?

i'm working on an early idea and trying to do a sanity-check first, whether the pain is real outside of my own assumptions.

The problem i am looking at is not general phishing or spam. It's more boring but expensive version:

- a real vendor emails an invoice, but the banking details have changed.

- a supplier payment request looks normal, but something is of.

- someone impersonates an owner/CEO and asks for an urgent payment.

- an invoice or payment instruction gets modified before accounting catches it.
- the email looks clean enough that normal filters do not stop it.

The idea is a tool that sits behind normal email security and helps flag vendor payment risk before money moves. Not "this email is spam"

More like:

- this vendors payment details changed.

- this account/routing/payment portal is new for this vendor.

- the request is unusually urgent.

- this invoice/payment pattern does not match prior history.

it would also keep an evidence trail so the business can see why something was flagged and what verification happened.

A few questions:

1. Have you or someone you know had a close call with fake invoices, changed banking details, or vendor/payment email scams?
2. If a vendor emailed new payment instructions today, what would your business actually do to verify it?
3. Would a low-friction “verify this before paying” workflow be useful, or would it just become another alert people ignore?
4. Who in your business would care most about this: owner, bookkeeper, accountant, office manager, MSP/IT provider, or nobody?
5. What would make this valuable enough to use regularly?

I’m especially interested in answers from service businesses, small teams, agencies, trades, local businesses, and anyone who handles vendor payments manually.