The document discusses the benefits of using a real-time Java virtual machine and real-time garbage collectors for latency-critical banking applications. It provides examples of how the Real-Time Specification for Java (RTSJ) allows applications to specify real-time threading priorities and memory areas to improve predictability. It also describes how Sun's real-time garbage collector implements garbage collection as real-time threads to provide hard real-time latencies for high priority threads. The talk concludes by noting over 500 companies have evaluated Sun's Java Real-Time System for applications requiring maximum latencies from less than 10 microseconds to 10 milliseconds.