Latest opinions that Prasoon Mukherjee has shared on Finextra

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Prasoon Mukherjee

Director | Head of Securities Services | GSC-India

Societe Generale Bank

Member since

13 Aug 2018

Location

Bangalore

View Prasoon Mukherjee's full profile

Prasoon's opinions

AI’s Diminishing Returns : Avoiding the Overreliance Trap in BFSI

“I find it hard to see, how there can be a good return on investment given, the current math.” This warning about AI infrastructure economics is not just for tech investors, but it has a direct bearing on banking and financial services, where the current wave of AI adoption risks building systemic fragility under the banner of innovation. Unlike th...

06 September 2025 /ai /predictions Artificial Intelligence and Financial Services

Large Language Models are not a solution for precise data extraction in banking.

In recent times, large language models (LLMs) have revolutionized the field of natural language processing, demonstrating impressive capabilities in understanding and generating human-like text. However, when it comes to sensitive and complex operations like those within the banking sector, there are valid concerns about relying on LLMs for the ex...

25 October 2023 /retail /wholesale Post-Trade Forum

Bridging the 'EQUITY' gap in embracing inclusion.

One of the fundamental reasons diversity in middle management and leadership levels is crucial is because of its potential to foster a broader range of perspectives and ideas. When leaders come from diverse backgrounds, they bring unique insights and experiences that can challenge the status quo, plus question assumptions. This diversity of though...

02 July 2023 /people /sustainable Banking

ASSET LIABILITY MISMATCH - (DEVIL AND THE DEEP SEA) SITUATION FOR BANKS

If you are a student of finance studying ALM, the last few weeks must have been quite a perfect academic period to witness the SVB debacle unfold, as you mapped this use case to some of the written down text book theories about ALM situations across balance sheets in general. While it's not entirely wrong to do so, however its also pertinent to un...

05 April 2023 /regulation /retail Banking Strategy, Digital and Transformation

COMPUTATIONAL THINKING - The Missing Link Between Ideation and Execution

We often tend to identity reasons of failed software projects with "cost-overrun" , "time-overrun" or "poor quality". A few years back, during conversation with a dear friend, who also happend to be my client at a major investment bank, I was struck hard by his thought on the subject, which still continues to be my gu...

24 December 2022 /people /wholesale Outsourcing Banking, Financial Services Operations

Banking on Metaverse

"What is the Matrix?” While Keanu Reeve asking this question in the movie was an act of fiction, in our real world today there are many who are asking the same question referring to metaverse. For most, the extent to which they can stretch their imagination is thinking of it as a virtual space conceived on augmented reality and built for soci...

23 October 2022 /people /retail Futuristic Banking

Accounting for Crypto-Assets

Its not uncommon in the world of finance for accountants to encounter challenges related to an evolving discipline for which no accounting standard would have explicitly existed earlier. One example is in the manner how the world of tokens or cryptocurrencies is evolving as no accounting standard currently exists to explain how this asset class sh...

25 December 2021 /regulation /crypto Blockchain in Banking and Financial Services

Modernizing Legacy Processes, Business Models and Technology without breaking the Bank.

The onus on traditional enterprises to reinvent and compete with peers is greater than ever. Incumbents across industries are investing to transform their legacy platforms, redesign business processes and continuously innovate their business models to stay relevant. However, transformation strategies aimed at designing modern software applications...

29 March 2021 /people /wholesale Banking Strategy, Digital and Transformation

BUSINESS AGILITY in Banks - A need for Structural Leadership Reorganization, plus looking beyond IT.

Ability and need to be nimble, like a blade of grass that bends to the waves of wind in any direction is possibly the right metaphor to use in comparing our ecosystem, in which we work that is notoriously volatile, and the demand therefore is to continuously adopt to change that is constant. Given this is same for all organizations, the ones that ...

16 November 2020 /people /startups Banking Strategy, Digital and Transformation

Judging blockchain as solving a capitalistic problem, or a socialistic issue, is a false dilemma !

Is blockchain capitalist or socialist? Libertarian or collectivist? Leftwing or rightwing? The answers to the above questions are neither or both, as we shall find out in this article, scraping through the past 2500 odd years of human thoughts in shaping societies, culture, commerce, and thereby relating it to the root paradigm that this technolog...

08 September 2020 /crypto /markets Blockchain Observations