Senior Analyst
Boston, United States


Patricia Hines, CTP, is a senior analyst with Celent’s Banking practice and is based in Charlotte, NC. Her areas of research include corporate banking and global transaction services with a particular emphasis on treasury and cash management, corporate banking delivery channels, commercial and small business lending, and emerging technologies such as APIs, blockchain, and artificial intelligence. Patty has been published in a broad range of industry media and presented at numerous conferences.

Patty has over 20 years of experience in financial services across business, technology, and operations. Before Celent, she was a Research Director in Wholesale Banking at CEB TowerGroup, a leading financial services advisory research firm, where she conducted primary research focused on industry trends, strategic business drivers, and technology solutions in commercial lending and small business services.

She has also held senior technology, operations, and marketing positions at FleetBoston Financial (now Bank of America), Wells Fargo, Citibank, MuleSoft, OpenText GXS, and S1 Corporation (now ACI Worldwide).

Patty received her MBA from the Yale School of Management and a bachelor’s degree in business administration from the State University of New York at Albany. She also holds a Certified Treasury Professional (CTP) accreditation from the Association of Financial Professionals. Patty can be reached directly at

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