If you can go from ~60ms p99 response times to ~45 from reduced garbage collection, that means GC has a major impact on user-perceptible performance on your application and proves that it is an extremely expensive operation that should be carefully managed. If you have a modern microservices Kubernetes blah blah bullshit setup, this fraud detection service is probably only one part of a chain of service calls that oc…
Memory allocation/deallocation overhead is always present, just look at different allocators, fragmentation issues and so on. Using a GC is not intrinsically much different performance wise.