Niloofar Ebrahimi, Mina Ghasemi, Mitra Shiri, 2026. "Event-Stream Intelligence for Low-Latency Transaction Processing in Enterprise Financial Systems" ESP International Journal of Science, Humanities & Management Studies(ESP-IJSHMS) Volume 4, Issue 1: 18-27.
Enterprise financial systems face tremendous transaction processing architectures since those have to react instantly while constantly changing business events without sacrificing accuracy, security, scalability and compliance with the regulations. Most financial institutions rely on traditional batch-oriented processing models which result in high latency and delay the ability to detect fraud, evaluate transactions, update customer information or respond promptly to market conditions. Instead of waiting for batches to be consolidated and processed, event-stream intelligence does continuous processing of transaction events as they emerge from different sources — using analytical, rule-based, or machine-learning methods that help you make low-latency decisions. Abstract This study investigates the use of event stream intelligence for transaction processing in large-scale enterprise financial systems.
The study examines iv stream ingestion ii event processing, iii real-time analytics, iv intelligent anomaly detection v distributed architectures vi state management vii fault tolerance and security mechanisms. It also examines how event brokers, stream-processing engines, in-memory computing, complex event processing and machine-learning models can improve transactional latency without sacrificing consistency or reliability. In particular, the research suggests an architecture that continuously captures transaction events and enriches them for further evaluation/routing based on business as well as risk needs. Special care is taken to balance speed of processing against other relevant factors, such as accurate financial presentations, audit ability and compliance with privacy standards or legal requirements. Event-stream intelligence brings new levels of responsiveness, fraud detection and operational visibility plus facilitates scalability for any number of transactions when supported by resilient distributed architectures and carefully governed processing policies according to the findings.
[1] Acidic, T., Chernyak, S. and Lax, R. (2015) Streaming Systems: The What, Where, When, and How of Large-Scale Data Processing. Sebastopol, CA: O’Reilly Media.
[2] Carbone, P., Katsifodimos, A., Ewen, S., Markl, V., Haridi, S. and Thomas, K. (2015) ‘Apache Flink: Stream and batch processing in a single engine’, IEEE Data Engineering Bulletin, 38(4), pp. 28–38.
[3] Chandramouli, B., Goldstein, J., Ma, A., et al. (2014) ‘Trill: A high-performance incremental query processor for diverse analytics’, Proceedings of the VLDB Endowment, 8(4), pp. 401–412.
[4] Dean, J. and Ghemawat, S. (2008) ‘MapReduce: Simplified data processing on large clusters’, Communications of the ACM, 51(1), pp. 107-113.
[5] Debunker, J. and Murguz, V. (2022) ‘Real-time fraud detection using machine learning and streaming analytics’, Journal of Financial Technology, 6(2), pp. 45–59.
[6] Fernández, R.C., et al. (2019) ‘Liquid: A framework for distributed stream processing’, Proceedings of the VLDB Endowment, 12(12), pp. 1962–1975.
[7] Fowler, M. (2005) ‘Event-driven architecture’, Martin Fowler’s Software Architecture Resources. Available through Martin Fowler’s architecture publications.
[8] Garcia-Molina, H. and Salem, K. (1992) ‘Main memory database systems: An overview’, IEEE Transactions on Knowledge and Data Engineering, 4(6), pp. 509–516.
[9] Gantz, J. and Reinsel, D. (2012) The Digital Universe in 2020: Big Data, Bigger Digital Shadows, and Biggest Growth in the Far East. Framingham, MA: IDC.
[10] Golab, L. and Otsu, M.T. (2003) ‘Issues in data stream management’, ACM SIGMOD Record, 32(2), pp. 5–14.
[11] Gupta, A., et al. (2021) ‘Real-time analytics and machine learning for financial fraud detection’, IEEE Access, 9, pp. 145231–145245.
[12] Hellerstein, J.M., Stonebraker, M. and Hamilton, J. (2007) ‘Architecture of a database system’, Foundations and Trends in Databases, 1(2), pp. 141–259.
[13] Hirzel, M., Andrade, H., Gedik, B., et al. (2014) ‘IBM Streams processing language: Analyzing big data in motion’, IBM Journal of Research and Development, 57(3/4), pp. 7:1–7:11.
[14] Kleppmann, M. (2017) Designing Data-Intensive Applications: The Big Ideas Behind Reliable, Scalable, and Maintainable Systems. Sebastopol, CA: O’Reilly Media.
[15] Kreps, J., Narkhede, N. and Rao, J. (2011) ‘Kafka: A distributed messaging system for log processing’, Proceedings of the Net DB Workshop, Athens, Greece.
[16] Kshatriya, N. (2016) ‘Blockchain’s roles in strengthening cybersecurity and protecting privacy’, Telecommunications Policy, 41(10), pp. 1027–1038.
[17] Laptev, N., Amizadeh, S. and Flint, I. (2015) ‘Generic and scalable framework for automated time-series anomaly detection’, Proceedings of the 21st ACM SIGKDD International Conference on Knowledge Discovery and Data Mining, pp. 1939–1947.
[18] Marz, N. and Warren, J. (2015) Big Data: Principles and Best Practices of Scalable Realtime Data Systems. Shelter Island, NY: Manning Publications.
[19] Manito, D. and Sneps-Sneppe, M. (2014) ‘On micro-services architecture’, International Journal of Open Information Technologies, 2(9), pp. 24–27.
[20] NIST (2018) Framework for Improving Critical Infrastructure Cybersecurity. Version 1.1. Gaithersburg, MD: National Institute of Standards and Technology.
[21] NIST (2020) Security and Privacy Controls for Information Systems and Organizations. NIST Special Publication 800-53 Revision 5. Gaithersburg, MD: National Institute of Standards and Technology.
[22] Ousterhout, J. (2018) ‘A philosophy of software design’, Communications of the ACM, 61(4), pp. 12–14.
[23] Provost, F. and Fawcett, T. (2013) Data Science for Business: What You Need to Know About Data Mining and Data-Analytic Thinking. Sebastopol, CA: O’Reilly Media.
[24] Stonebraker, M., Çetintemel, U. and Adonic, S. (2005) ‘The 8 requirements of real-time stream processing’, ACM SIGMOD Record, 34(4), pp. 42–47.
[25] Taylor, R.C. (2010) ‘An overview of the Hadoop/MapReduce/HBase framework and its current applications in bioinformatics’, BMC Bioinformatics, 11(Suppl. 12), S1.
[26] Topple, M. and Prasad, R. (2020) ‘Machine learning approaches for fraud detection in financial transactions’, International Journal of Advanced Computer Science and Applications, 11(5), pp. 250–257.
[27] Tucker, P.A., Brewer, E.A. and Hellerstein, J.M. (2003) ‘Improving the performance of data stream management systems’, Proceedings of the 29th International Conference on Very Large Data Bases, pp. 1057–1068.
[28] Venkatesh, V., Rathi, V. and Kumar, S. (2022) ‘Real-time event stream processing for intelligent financial services’, International Journal of Information Management Data Insights, 2(2), pp. 100123–100135.
[29] Zaharia, M., Chowdhury, M., Das, T., et al. (2013) ‘Discretized streams: Fault-tolerant streaming computation at scale’, Proceedings of the 24th ACM Symposium on Operating Systems Principles, pp. 423–438.
[30] Shaman, D. (2021) Data Mesh: Delivering Data-Driven Value at Scale. Sebastopol, CA: O’Reilly Media.
Event-Stream Intelligence, Low Latency Processing, Financial Systems, Transaction Processing Related Articles Stream Awareness in Distributed Computing via Flexible Time Constraints Real-time Analytics of Temporal Patterns Through Data Streams Error-Tolerant In-Memory Events Recognition Within Time Windows Efficient High Layer Traffic Flow Analysis for Network Security In the era when Big data is proliferating from everywhere and every programmable device through Internet to more seconds than we can manage — many Fifteen-year-old niched-data platforms have evolved into Firehouse systems which accommodate incoming event streams continuously.