Refining the Medical Billing Infrastructure to Reduce Payment Bottlenecks for Providers and Payers

The U.S. healthcare payments system is plagued by fragmentation, delays, and administrative waste—25% of healthcare costs go toward manual processes alone. Providers chase missing payments and struggle to reconcile claims across redundant portals. Meanwhile, payers, who aren’t built to function as banks, face inefficiencies and frustrated partners. The persistent disconnect between payments and data has resulted in eroded trust and wasted resources for everybody in the system.

Yusuf Qasim, President of Zelis’s payments business, co-founded Pay-Plus Solutions in 2011. After its acquisition by Zelis in 2019, Qasim helped build what would become ZAPP—the Zelis Advanced Payment Platform. What began as a solution to digitize checks for third-party administrators evolved into a robust payment