INNOVATIVE APPROACHES TO FINANCIAL RISK MANAGEMENT IN MODERN ENTERPRISES

DOI: 10.31673/2415-8089.2025.017078

Abstract

This paper addresses the
growing necessity for holistic mechanisms aimed at identifying, analyzing, and mitigating financial
risks that contemporary enterprises confront in a volatile market environment. The study focuses on
how the intricacies of global economic shifts, the proliferation of digital tools, and the heightened
role of strategic decision-making have underscored the need for more adaptive risk management
frameworks. Particular attention is given to the theoretical underpinnings of financial risk
classification, emphasizing those factors that most critically influence liquidity, solvency, and
long-term stability of organizations. By examining the interplay between conventional instruments
and modern solutions based on advanced financial technologies, the paper seeks to reveal
prospective pathways for enhancing risk assessment and strategic resilience. These modern
solutions include blockchain-based platforms and artificial intelligence which collectively promise
to transform the speed, transparency, and cost efficiency of operations. The relevance of this
investigation lies in the fact that enterprises increasingly rely on integrated and data-driven
insights to safeguard cash flows and maintain competitive advantages in environments marked by
frequent economic swings and regulatory changes. The paper gives particular emphasis to the
potential for integrating big data analytics into corporate processes, thereby enabling real-time
monitoring of credit, liquidity, and market uncertainties. By establishing a conceptual foundation
for how cutting-edge tools may be incorporated into existing management structures, this research
paves the way for professionals seeking more precise approaches to risk mitigation. The paper
presents a developed algorithm for financial risk management that leverages innovative
technologies such as blockchain-based platforms and artificial intelligence. These modern solutions
promise to transform the speed, transparency, and cost efficiency of operations, enabling
enterprises to integrate big data analytics into their corporate processes for real-time monitoring of
credit, liquidity, and market uncertainties. The relevance of this investigation lies in the fact that
enterprises increasingly rely on integrated, data-driven insights to safeguard cash flows and
maintain competitive advantages in environments marked by frequent economic swings and
regulatory changes Furthermore, the study identifies potential threats associated with the use of
innovative technologies, including technological vulnerabilities and regulatory challenges, which
must be carefully managed to ensure stability and security. By establishing a conceptual foundation
for incorporating cutting-edge tools into management structures, this research paves the way for
professionals seeking more precise approaches to risk mitigation. The issues under discussion
range from identifying gaps in current practices to outlining possible directions for future
exploration of innovative financial solutions that can strengthen an enterprise’s capacity to
navigate global uncertainty and market disruptions.
Keywords: risk, financial risk management, artificial intelligence, financial instruments, risk
management, financial technologies.

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