Artificial Intelligence is accelerating productivity and redefining how work is performed, but senior executives at leading global financial institutions have cautioned that the rapid transformation also raises concerns around education gaps and human accountability.
Speaking at a panel discussion during the AI Impact Summit 2026 in New Delhi on Monday, industry leaders outlined both the opportunities and structural risks emerging from widespread AI adoption.
AI to Drive 20 to 30 Percent Higher Value Creation: Temasek Executive
Srijay Ghosh, a senior executive at Temasek, said AI presents a significant opportunity to move up the value chain by enabling employees to use their time more productively.According to Ghosh, AI could help individuals add 20 to 30 percent more value in their work by freeing up time and improving efficiency.
He described the shift as a chance to enhance overall productivity and contribute greater value across sectors. However, he also issued a caution regarding the growing reliance on machine-led decision-making.
Ghosh expressed concern over what he termed the potential dilution of human accountability as automated agents and AI systems take on more decision-making responsibilities. He stressed that human oversight must remain intact even as organisations focus on productivity gains and value chain upgrades.
Education System Yet to Catch Up, Says Mahindra Executive
Bhuvan Lodha of Mahindra & Mahindra said AI has the potential to eliminate repetitive and routine aspects of work, significantly boosting personal productivity.He noted that AI frameworks could make individuals up to ten times more productive by removing drudgery from daily tasks.
However, Lodha flagged concerns about whether the education system is adequately prepared for this transformation. He pointed out that academic institutions have not yet fully aligned with the evolving demands created by AI-driven workflows.
Job Security Concerns Emerge Amid Rapid AI Adoption
Manish Agarwal, President and Business Head of Kotak Mahindra Bank’s flagship digital banking platform 811 at Kotak Mahindra Bank, highlighted the dual nature of technological change.While acknowledging that the speed enabled by AI is exciting, Agarwal also raised concerns about job security in an era of rapid automation.
He questioned whether traditional roles would remain intact as AI systems become more capable and widespread across industries.
Balancing Productivity Gains with Accountability
Across the discussion, the senior executives agreed that AI-driven transformation offers substantial opportunities for efficiency, productivity enhancement, and value creation.At the same time, they emphasised that maintaining human accountability and preparing the workforce through education and skill alignment will be critical to ensuring inclusive and sustainable growth in the AI era.
The discussions at AI Impact Summit 2026 underscore a central theme shaping global policy and corporate strategy today: technological acceleration must be matched by responsible governance and workforce readiness.
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