Summary 

This paper examines the contemporary approaches to liquidity risk management within the framework of ongoing technological transformation in the banking sector. Today’s digital age is reshaping consumer behavior standards, which is particularly evident in the financial sector (Kakhniashvili N, 2025). Liquidity risk remains one of the most critical challenges for commercial banks, especially in the face of increased market volatility, changing customer behavior, and growing regulatory demands. Traditionally, liquidity risk has been managed through conservative methods, such as holding excess reserves, central bank support, and stress testing. However, the dynamic nature of modern financial systems requires the adoption of more advanced and data-driven strategies.

Technological innovation has introduced new tools that significantly reshape risk assessment and management processes. This paper focuses on four major technological advancements: digital platforms, Big Data analytics, artificial intelligence (AI), and blockchain. Digital platforms enable real-time monitoring of transactions and liquidity flows, allowing banks to react promptly to market fluctuations. Big Data enhances predictive capabilities by processing massive volumes of structured and unstructured information. AI-based systems support early risk detection, automation of liquidity planning, and smart decision-making. Meanwhile, blockchain technology increases transparency and security, and enables decentralized clearing and settlement processes that reduce operational and counterparty risks.

Through a review of international practices and case studies, the paper demonstrates how leading commercial banks are integrating these technologies to strengthen their liquidity positions. While developed markets have made significant progress, emerging markets, including Georgia, are still in the early phases of implementation. The paper emphasizes the need for banks to develop adaptive strategies that align technological capabilities with regulatory compliance and risk mitigation objectives. The study concludes that adopting innovative technologies is not merely an option but a necessity for sustainable and resilient banking operations. For financial institutions to maintain competitiveness and ensure systemic stability, proactive investment in digital transformation, staff training, and strategic risk frameworks will be essential in the years ahead.