Latest opinions that Reghunathan Sukumara Pillai has shared on Finextra

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Reghunathan Sukumara Pillai

Consultant

Infosys

Member since

26 Oct 2012

Location

Bangalore

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Reghunathan Sukumara's opinions

Whether mergers of public sector banks will solve the banking crisis in India ?

The nationalization of Banks in 1969 paved the way for growth of banking business in the country with improvement in economy. Banking was perceived as a lucrative white collar job with security and respectability in the society. Further nationalization of another set of banks happened in early 1980s considering the success of nationalization of B...

27 September 2018 /regulation Banking Regulations

Corporate Credit Appraisals and Decision making

Corporate Loans occupy significant size in the asset portfolio of large Banks. Most of the Banks have a well-defined corporate credit department comprising of relationship managers, credit appraisal officers, risk officers, approvers and Department heads. Corporate Loans not only generates interest and fee based income but also build the asset sid...

22 March 2018 /regulation Banking Regulations

Regulations for Non Performing Assets- How effective is the implementation ?

Lending is a major activity for major Banks and lending for capital investments, infrastructure, finances in Government sector and industries, heavy machineries contributes to the development of economy and also providing long term assured interest/fee based income to the Bank. Such corporate loans occupy a significant asset portfolio in many larg...

19 March 2018 /regulation Banking Regulations

Workforce in the Digital World of Banking

When computerization was introduced in the Indian banking industry in the early 1990s, there was furore amongst the staff in the public sector banks. The Banks were heavily unionized at that time with the federations/associations predicting loss of jobs especially at the clerical cadre and even at the officer/Middle Management level. Their reasoni...

15 March 2018 /retail Business Knowledge for IT

Personal data everywhere ?

Early morning, I received a call in my cell phone from a consumer finance company explaining to me about some consumer finance/EMI offers. After a few hours, I received a call from one call entre of a bank selling credit cards about life time free card with other offers. In the afternoon, I received a call from an Insurance company about some insu...

15 March 2018 /security Data Protection Act Issues

Product Road map versus Product functionality

Products are designed based on needs /requirements of the consumers in/across multiple industries in /across different geographies/regions. Some products could be used across different industries whereas majority of the products are built based on specific industry demand. There could be local or regional or geographical or global product. Uniquen...

13 March 2018 Futuristic Banking

What needs a relook - Internal processes or workforce in the audit department?

The recent instances of scams in public sector Banks make one admonish the audit processes and practices in many Banks. The number of fraudulent instances are rising and it has become a norm to highlight the deficiency in software systems rather than accepting internal flaws, recheck the internal controls, operational processes, audit, operational...

13 March 2018 Transaction Banking

Reimagining Digital

Digital adoption, artificial intelligence, automation, embedded analytics are terminologies which are known to all the people associated with the financial services/industry. These terminologies are in use in the last decade –thanks to the internationally acclaimed consultants, IT wizards, Digital leads of Banks, the regulators, social media and a...

12 February 2018 Data Management 101