Insights

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[People gathered at a table laughing and talking]

[Cash Confessions logo]

[Enrique Rosales] From the minds of our clients, we want to keep our company culture strong. As we grow, how can we maintain relationships we have with our employees and clients?

[Manny Losada, CEO & President, Optimal Healthcare Solutions] We've tried to maintain that entrepreneurial spirit within the company. And as we've grown, it becomes challenging because you have to obviously manage the business. I like to call these sessions cash flows confessions.

[Group laughter]

because it's something that we're always, always very focused on. So, keeping the corporate side of Optimal vibrant to the industry, as well as maintaining an entrepreneurial family spirit, is, I think, what makes the difference at Optimal. 

[Nuria Torrecilla, Chief Financial Officer, Optimal Healthcare Solutions] If the company has a strong culture and makes the employees and the customers the first asset, I think that the challenge is there and we will be successful. 

[Manny Losada, CEO & President, Optimal Healthcare Solutions] Living it and defining it is really what brings that word to life. And the main, objective we've always had is for our team to have a voice. I spend much of my day speaking to folks that are walking by and popping their head in comfortably and you make the time, and that time comes back to you in results. 

[Rosa Viasana, Director of Quality and Inventory, Optimal Healthcare Solutions] One of the things that I think that is our greatest strength is our people. You know, we try to do something called like a free food Friday.  Every second Friday of the month we have different teams who gather together to create a meal for everyone in the company, and it's kind of a way to bring us all together. And the fact that that's on a regular schedule really does benefit the feeling of a company culture and togetherness, right?

One of our greatest strengths is that we all do feel like family, and I think the Hispanic heritage behind that just makes that even stronger. That’s people from all over the world. We have Nicaraguans, they Puerto Ricans, we have people from Cuba, Dominican, Mexico everywhere...

[Enrique Rosales] Spain...

[group laughter and female speakers nodding]

[Rosa Viasana] Spain, Colombia, like now it’s, I mean, global. And so, it's really very cool and very interesting that so many different countries can come together and we're speaking the same language, and it may not be the same words, but we are speaking the same language.
And that's amazing.

[Manny Losada] You know, when you speak of the Spanish heritage, you know, the family and the meal is one, where that is the opportunity that you come together to share what happened during the week and what you're looking to do.

[Enrique Rosales] I think you all put it very well when it starts with the people and the culture. So, thanks. Thanks for sharing this.

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[Cash Confessions logo]

[Wells Fargo logo]

[©2025 Wells Fargo & Company]

PM-06042026-6489312.1.23

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Simplify, innovate, and thrive.

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Adopting instant payments as part of your business strategy can help simplify financial transactions and give you a competitive advantage. If you aren’t already thinking about these innovative payment platforms, you may be missing opportunities.

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Instant payments:

• 24/7/365 convenience
• Lightning-fast settlement
• Built-in flexibility

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Instant payments are contextual, immediately available, and can reduce the manual handling of complex transactions, offering convenience and flexibility.

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Instant payment methods:

• FedNow
• RTP®
• Push to card
• Zelle

RTP® is a registered service mark of The Clearing House Payments Company L.L.C.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

For your protection, Zelle should only be used for sending money to customers and vendors who you trust.

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There are many methods you can use to integrate instant payments. What’s most important is that you use them in a way that works for your business.

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• Revenue
• Customer experience
• Operational efficiency

[Voiceover]

The right payment platforms and providers can help drive new revenue growth, improve your customer experience and even enhance operational efficiency.

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Where are your opportunities?

[Voiceover]

Consider the following opportunities for your organization to incorporate instant payments into your business strategy.

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Strengthen business relationships

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Instant payments help you move toward complete digital transactions. By reducing cash and checks and providing faster settlement, you can strengthen your relationships with your vendors and suppliers.

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Pay your supplier and contract workers instantly  

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With the ease of digital convenience, you can pay your suppliers instantly when needed.

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Reduce paperwork and follow-up required for reconciliation

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And with the strong remittance data built into instant payments, you reduce the amount of paperwork and follow-up required for reconciliation.

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Delight your customers with speed and convenience  

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In today’s world, your customers most likely expect quick response and immediate action. Instant payments can be a strategic tool to help meet those expectations.

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Critical payments and on-demand transactions

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For example, a customer can pay at their convenience, choosing when and how they pay.

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Instant refunds and adjustments

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And you can build a secure customer service process for quicker refunds when needed.

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Offer easy upgrades

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Instant payments can also help facilitate online purchases, upgrades and enhancements for your customers.

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Simplify life for your valued employees

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Instant payments promote efficiency and simplify tasks for employees.

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Real-time payments for workers give you a competitive edge

[Voiceover]

Tasks such as paying contract workers can be completely digital, so payments are made in real time. That gives you an edge when competing for these workers.

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Disburse per diems safely, quickly

[Voiceover]

You can also automate and track per diems for travel – reducing complications associated with lost, stolen, or misplaced cash or checks.

Internally and externally, instant payments have the power to transform your business.

Wells Fargo can work with you to explore best practices and strategic ways to incorporate instant payments in your organization.

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Simplify, innovate, and thrive.

Instant Payment Simplified^SM

Wells Fargo

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