Cross-border payments account for roughly 40% of global payments fees, generating 15 times the revenue of the average retail domestic payment. While traditional cross-border payment models have been successfully processing millions of payments a year, emerging models and frameworks will dramatically change the world of cross-border payments, promising to improve processes, costs, and the customer experience. This session will answer three key questions: 1. What are the drivers and trends affecting the cross-border payments ecosystem? 2. Are traditional cross‑border payment services adequately positioned for today’s challenges? 3. How are emerging cross-border payment models creating innovation from inefficiency? About the speaker: Patricia Hines, CTP, is a senior analyst with Celent’s Banking practice 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 chain finance, along with commercial and small business lending. 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 trends, strategic business drivers, and technology solutions in commercial lending and small business services. She has also held senior product management, marketing, and technology positions at FleetBoston Financial, 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. 
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