“Can a founder-led ambulatory EHR remain the operating system for independent practices as AI-native scribes and RCM automation reshape the category?”
Founded in 1999 to rid doctors' offices of paper, eClinicalWorks grew into one of the largest privately held ambulatory EHR vendors in the US, serving 180,000+ providers. Its embedded finance footprint centers on healow Payment Services (patient payments) and RCM/clearinghouse integrations (Waystar, Trizetto, Optum), rather than a BaaS or lending platform. The 2026 push into AI (Sunoh.ai, healow Genie) targets revenue cycle and clinical documentation rather than new financial products.
eClinicalWorks processes payments through healow Payment Services (self-operated).
eClinicalWorks uses Exostar for KYC and identity verification.
The Embedded Finance Index 2026 maps 3 layers in eClinicalWorks's stack: Payments / PSP (healow Payment Services (self-operated)); KYC (Exostar); Accounts Receivable (Waystar, Trizetto and Optum RPA).
eClinicalWorks was founded by Girish Kumar Navani and is founded in 1999, headquartered in Westborough, Massachusetts, United States.
Get a read on where your own stack stands against eClinicalWorks and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.