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Treasury and Payments

Improve your working capital, reduce fraud and minimize the impact of unexpected disruptions with our treasury solutions—from digital portals to integrated payables and receivables—all designed to make your operations smoother and more efficient.

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Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment or technology.

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Commercial Real Estate

Get the strategic support to be successful throughout market and real estate cycles with insights, hands-on service, comprehensive financial solutions and unrivaled certainty of execution.

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International Banking

Global opportunities mean global challenges. But real success means understanding the local markets you serve—which is why we bring the business solutions, insights and market perspective you need. 

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Transforming the Patient Experience

Technology could shorten waiting room times, lessen paperwork and streamline billing.

From online scheduling to virtual visits, COVID-19 ushered in a digital revolution for many healthcare providers. But the patient experience can still be disjointed and inefficient—especially when it comes to filling out forms and paying bills. Here’s how technology could improve the process.


Old Method: Everything Done at Doctor's Office

pen and clipboard with form on it

Fill out paperwork in waiting room

15 minutes

Meet with healthcare provider

20 minutes

Check out at front desk


5 minutes


Total time at office: 40 minutes

Get bill in mail: 2-3 weeks later


For patients

  • Extra time spent in waiting room
  • Unclear billing (mail vs. online)

For providers

  • Increased staffing costs to handle paperwork
  • Long delays between service and payment

For insurers

  • Higher potential for errors and delays
  • Inefficient back-and-forth over claims
In today’s digital landscape, people expect simple interfaces across everything they do. But when it comes to healthcare services, that isn’t always the case. As providers continue to improve their digital offerings—from care delivery to payments—it’s important that they provide patients with an array of useful options.

Lauren Ruane, co-head of Healthcare for Middle Market Banking & Specialized Industries, J.P. Morgan

New Method: Paperwork and Payment Done Digitally

Forms completed on app prior to visit

0 minutes

Meet with healthcare provider

20 minutes

Bypass checkout


0 minutes


Total time at office: 20 minutes

Get bill via text: 2-3 minutes later


For patients

  • Little time in waiting room
  • Easy-to-understand billing
  • Everything handled on a single app

For providers

  • Reduced staffing costs
  • Improved efficiency and accuracy
  • Faster payment cycle

For insurers

  • Fewer filing errors
  • Faster turnaround



Midsized Businesses Technology Healthcare

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