Imomov Mirzabobur Tokhirovich,
Master’s student of Tashkent State University of Economics,
Tashkent, Uzbekistan.
Email:mirzabobur2004@gmail.com
ORCID: 0009-0005-0234-5007
Abstract:This article provides a detailed analysis of the role and significance of business analytics tools in the effective management of liquidity and the forecasting of potential cash flow disruptions in enterprises and commercial banks. Within the scope of the study, methods of cash flow planning and analysis, monitoring of key financial indicators, as well as the application of modern information technologies such as ERP (Enterprise Resource Planning) and BI (Business Intelligence) systems are examined from a scientific and theoretical perspective. The article also identifies the main challenges encountered in liquidity management, including unexpected cash flow gaps, mismatches between assets and liabilities, and the causes of increased financial risks. The practical part of the research is conducted using the example of Orient Finance Commercial Bank, where the composition and structure of the bank’s assets are analyzed in depth, and internal and external factors directly affecting liquidity levels are identified. Based on the results of the analysis, specific and practical recommendations aimed at stabilizing liquidity, ensuring the continuity of cash flows, and reducing financial risks are developed. These recommendations contribute to strengthening financial stability in banks and enterprises, improving the effectiveness of managerial decision-making, and optimizing business processes.
Keywords: liquidity, cash flows, cash flow gaps, business analysis, financial stability, ERP, BI, forecasting.