The paper discusses the implications of neutrino masses and mixings on flavor violation processes, particularly the muon-to-electron decay with a photon (μ → e, γ). In the Standard Model, such processes are too rare to be observed, but in supersymmetric models, especially those with a see-saw mechanism for neutrino masses, the branching ratio (BR) of μ → e, γ can be significantly larger than current experimental bounds. The study shows that if the largest Yukawa coupling is of order one and the solar data are explained by a large angle MSW effect, the BR of μ → e, γ can exceed the experimental upper limit. The analysis is based on low-energy data and considers various scenarios, including approximate top-neutrino unification. It also discusses other ways to avoid flavor violation, such as gauge mediated SUSY breaking. The results are applied to scenarios like SO(10) models, which are ruled out unless specific conditions on the Yukawa matrices are met. The paper concludes that the BR of μ → e, γ is highly sensitive to the parameters of the Yukawa matrices and the neutrino mass spectrum, with the largest values occurring in the large angle MSW scenario. The results are compared with experimental bounds and show that most of the parameter space is excluded by current limits or will be probed by future experiments.The paper discusses the implications of neutrino masses and mixings on flavor violation processes, particularly the muon-to-electron decay with a photon (μ → e, γ). In the Standard Model, such processes are too rare to be observed, but in supersymmetric models, especially those with a see-saw mechanism for neutrino masses, the branching ratio (BR) of μ → e, γ can be significantly larger than current experimental bounds. The study shows that if the largest Yukawa coupling is of order one and the solar data are explained by a large angle MSW effect, the BR of μ → e, γ can exceed the experimental upper limit. The analysis is based on low-energy data and considers various scenarios, including approximate top-neutrino unification. It also discusses other ways to avoid flavor violation, such as gauge mediated SUSY breaking. The results are applied to scenarios like SO(10) models, which are ruled out unless specific conditions on the Yukawa matrices are met. The paper concludes that the BR of μ → e, γ is highly sensitive to the parameters of the Yukawa matrices and the neutrino mass spectrum, with the largest values occurring in the large angle MSW scenario. The results are compared with experimental bounds and show that most of the parameter space is excluded by current limits or will be probed by future experiments.