Biography
Patricia heads Celent’s Corporate 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 phines@celent.com.
Latest insights
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22 January 2025
Major US banks reported banner earnings for the year as businesses and consumers continued to spend despite elevated interest rates. The country… -
21 January 2025
Since the financial crisis, transaction banking and commercial lending have become essential revenue streams for banks, characterized by low cap… -
25 November 2024
Morgan Stanley and OliverWyman just published their annual “bluepaper” for global banks and asset managers. This year’s theme is “Extending Cred… -
19 November 2024
As we near the end of 2024, the macroeconomic and geopolitical landscape remains challenging. These dynamics have the potential to reshape econo…
Related events
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27 - 30 April 2025
United StatesJoin Celent's Gareth Lodge and Patricia Hines at the NACHA Smarter Faster Payments conference. Technology and information are making payments sm… -
19 - 21 May 2025
Charlotte, NC 28202, United StatesHear from industry leaders, nCino customers, and nCino experts at nSight's General Sessions -
6 - 21 November 2024
Navigating the Future: Integrating AI and Data Governance for A Resilient Financial Services Industry As the excitement around generative AI set… -
21 - 24 October 2024
ChinaJoin Celent analysts Patricia Hines and Gareth Lodge at Sibos 2024, Swift's annual conference, exhibition, and networking event for the financia…
Related news
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19 October 2023
By Patricia Hines, Director - Corporate Banking In corporate banking, the end-to-end process of onboarding new technologies encompasses multiple…
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16 March 2022
Thousands of representatives from businesses around the world use the CashPro App to manage loans, deposits, payments and trade finance. In sing…
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9 March 2022
In fact, Celent's Head of Corporate Banking, Patty Hines, noted, "Oracle's solution stands out for advanced technology with its breadth of deplo…
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26 November 2021
“Minimizing the risk associated with the transition away from LIBOR to new risk-free rates is absolutely essential and any technology that can h…