
The Hidden Cost of Legacy Cross-Border Payments
Banks finished their move to ISO 20022. Many corporate systems did not. What legacy payment formats cost, and how to close the gap without replacing your ERP.
In today’s complex and dynamic IT environment, observability is crucial for detecting and resolving issues promptly, providing real-time application insights, and offering end-to-end performance analytics.
Observability as a Service (OaaS) is a centralized framework that integrates open-source tools like OpenTelemetry, Prometheus, Grafana, and Jaeger to provide real-time system visibility. It enables proactive issue detection, efficient debugging, and end-to-end performance monitoring—supporting DevSecOps practices and improving system resilience and security in cloud environments.
Organizations encounter challenges such as inadequate observability, inefficient debugging processes, limited request tracing capabilities, and disjointed metrics and logs.
This whitepaper explores the critical necessity of enhancing system observability through the implementation of an Observability as a Service (OaaS) framework.
By utilizing various open-source tools such as OpenTelemetry (OTEL), the Prometheus Stack for metrics, the Grafana Stack for log monitoring, and Jaeger for request tracing in public cloud environments, the proposed architecture aims to deliver comprehensive visibility into system visibility.
This approach not only enables proactive issue detection and efficient debugging but also aligns with DevSecOps principles and strengthens reliability solutions, enhancing overall system security and resilience.
Observability enables real-time monitoring, faster issue resolution, and deeper system insights—critical for ensuring uptime and optimizing performance in complex, distributed environments
The three main components are metrics, logs, and traces. Together, they provide a complete view of system behavior and help identify root causes of issues quickly.
OaaS uses cloud-native, open-source tools to centralize observability across systems. It collects and correlates data from different sources, helping teams diagnose and resolve problems faster.
Common tools include OpenTelemetry for instrumentation, Prometheus for metrics, Grafana for visualization, and Jaeger for request tracing.

Banks finished their move to ISO 20022. Many corporate systems did not. What legacy payment formats cost, and how to close the gap without replacing your ERP.
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Drawing on agentic AI deployments across financial services, life sciences, investment management, and technology sectors.