AI Driven Chaos Engineering for Stateful Financial Microservices

Abstract

The rapid adoption of cloud-native banking platforms and distributed fintech applications has significantly increased the use of stateful financial microservices for payment processing, transaction management, fraud detection, and digital financial operations. However, these distributed financial systems are very sensitive to runtime failures, cascading service failures, transaction inconsistencies, infrastructure instability, and operational risks due to latency under dynamic workloads. Traditional resilience testing and monitoring methods can fail to detect unknown weaknesses and critical failures in a real-time financial landscape. Based on these considerations, the present paper introduces a novel framework, dubbed AI-Driven Chaos Engineering (AI-CE), for enhancing the resilience and operational reliability of stateful financial microservices in cloud-native environments. The framework suggests that these capabilities, including AI-driven anomaly detection, distributed observability, adaptive fault orchestration, predictive failure analysis, and automated self-healing recovery, be centralized into a single resilience engineering architecture. Real-time telemetry data from transaction services, APIs, databases, message brokers, and containerized workloads are constantly monitored with AI-based behavior analytics to detect sensitive operational states and dynamically create intelligent chaos experiments such as latency injection, network partitioning, resource exhaustion, service crashes, and transaction interruption experiments. Experimental assessment shows that the proposed framework attains almost 96.32% classification accuracy and significantly enhances the fault detection capability, recovery efficiency, transaction consistency, service availability, and operational resilience over traditional chaos engineering methods. The proposed research helps in developing the smart, adaptive, and self-healing financial microservices ecosystems that will enable reliable next-generation digital banking and fintech infrastructures.