Resilience Engineering for Critical Banking Integrations: A Layered Framework for Safe Degradation and Fault Localization

Natallia Kalivoshka

Citation: Natallia Kalivoshka, "Resilience Engineering for Critical Banking Integrations: A Layered Framework for Safe Degradation and Fault Localization", Universal Library of Business and Economics, Volume 03, Issue 01.

Copyright: This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

Abstract

Modern banking systems increasingly depend on distributed microservice integration circuits connecting core processing platforms, payment gateways, and external regulatory contours. The reliability of these circuits directly determines the quality of financial services delivered to millions of clients. This article examines engineering approaches to managing graceful degradation and localizing failures in critical banking integration systems. The study is grounded in a systematic review of academic literature and technical documentation from regulatory-grade deployment contexts, including Central Bank Digital Currency (CBDC) pilot environments. The author proposes a layered resilience model that combines fault isolation patterns, correlated observability, and AIOps-assisted root cause analysis into a coherent operational framework. Results demonstrate that structured telemetry combined with ML-driven anomaly detection reduces mean time to resolution (MTTR) from over 120 minutes to under 9 minutes. The proposed framework provides a replicable standard for banking engineering teams responsible for high-criticality integrations. The findings are of direct interest to software architects, site reliability engineers, and technology officers in systemically important financial institutions.


Keywords: Degradation Management, Fault Localization, Banking Integration Circuits, Microservices Resilience, Circuit Breaker Pattern, AIOps, Distributed Observability, CBDC Integration, Service Level Objectives, Idempotency.

Download doi https://doi.org/10.70315/uloap.ulbec.2026.0301018