Customers of major UK banks, including Lloyds, Nationwide, TSB, and Halifax, faced online banking issues on payday for the second consecutive month, following a similar incident at Barclays. Experts suggest that simultaneous outages may indicate shared IT systems among banks, raising concerns about external IT dependencies. As MPs seek accountability for these failures, the impact on customers is exacerbated by the decline of high street branches, making access to banking services more critical.