Cloud Native Monitoring Systems for High Availability Fintech Applications

Abstract

High availability is a foundational requirement for fintech applications that support real-time payments, digital banking, embedded finance, and regulatory-critical financial services. As fintech platforms increasingly adopt cloud-native architectures based on microservices, containers, APIS, and serverless components, traditional infrastructure monitoring approaches prove insufficient for ensuring operational resilience. This paper examines cloud-native monitoring systems designed to support high-availability fintech applications, focusing on observability architectures, real-time telemetry, intelligent alerting, and reliability-driven decision support. Using a mixed-method research approach that integrates architectural analysis, service-level objective (slo) modeling, failure-scenario evaluation, and expert synthesis, the study proposes a cloud-native fintech observability framework. Results indicate that advanced cloud-native monitoring reduces mean time to detect (mttd) incidents by up to 42%, improves service-level objective compliance by 31%, and significantly enhances resilience during peak transaction and failure events. The findings position monitoring systems not merely as operational tools but as strategic enablers of availability, regulatory compliance, and customer trust in fintech ecosystems.