Patricia Hines

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Head of Corporate Banking

Celent

Member since

27 Jul 2009

Location

Charlotte

Bio

Patricia Hines, CTP, leads the Corporate Banking practice at Celent and is based in Charlotte, NC. Her areas of research include global transaction services and wholesale banking with a particular emphasis on treasury and cash management, corporate banking delivery channels, and trade and supply

Experience

Summary

Patty has over 20 years of experience in financial services across business, technology, and operations. Prior to 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

Latest opinions

The Future of Financial Services: The Connected Bank

For many banks, back office systems for such critical functions as deposit accounting, loan servicing, and payment processing have been in place for decades, running on huge legacy mainframes. According to industry analysts, IT departments spend 70 to 90 percent of their budgets managing and maintaining these disparate systems, leaving little left...

13 August 2014 Transaction Banking

Client Lifecycle Management for Transaction Banking

In today’s competitive environment, financial services firms are faced with the challenge of maximizing revenue, reducing attrition, and maintaining customer relationships. That means adopting a holistic approach when it comes to developing true customer-centricity, the cornerstone of client lifecycle management. I define client lifecycle manageme...

25 March 2014 Transaction Banking

International Expansion: Overcoming Geographic Differences

I recently published a blog post titled “International Expansion in Financial Services” discussing how banks are supporting the needs of multi-national companies through expansion into new geographies. Meeting the needs of demanding corporate clients in remote geographies can be challenging for global, national and regional banks. As banks follow ...

07 August 2013 Transaction Banking

See all 6 opinions by Patricia

Latest comments

Intuit and Chase agree data sharing deal

The online accounting solution provider, Xero, has been connecting to its partner banks via direct feed APIs since at least 2015.

25 Jan 2017 23:40 Read comment

Making sense of the government’s banking API initiative

I agree with Alexander that new middleware approaches can modernize legacy systems, particularly by creating internal APIs to expose data to front-end developers. Most next generation middleware solutions include API creation, management and security and will be able to connect with the UK Open Data API framework, once defined and developed.

23 Jul 2015 15:04 Read comment

Transitions and Transaction Banking

Chris - The industry has been talking about this convergence for a long time and I like your insight on why it hasn't yet been widely adopted; a focus on the end customer. Doh! There is also a reluctance on the LoB and IT silos to work together at financial services firms or "Quelle horreur", use the knowledgeable and skilled resources of a third-party firm to put the pieces together.

24 Mar 2014 13:47 Read comment

See all 6 comments by Patricia