On Monday morning, customers of Lloyds and Halifax encountered problems with their banking apps, causing disruptions to payments. Lloyds recognized the issues, apologizing and assuring users that they are actively working to restore normal service. According to Downdetector, the disruptions started at approximately 7 AM, with numerous users encountering challenges. Experts have raised alarms about the fragility of financial systems in a digital era, underscoring potential risks for individuals who rely on them.