The slower Bacs payment system - which underlies telephone and internet banking services - has also failed to show any trend of savers shifting their money.

BBC: 'No floods' of switching savers

The Newcastle-based lender also reassured that its internet banking services had been virtually restored after running slowly over the weekend as a huge number of anxious online customers tried to log on.

BBC: NEWS | Business | 'Savers return' to Northern Rock

Flexcube lets back-office operations support retail banking, Internet banking, corporate banking, asset management and investor services.

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Some services at Shinhan bank, including internet banking and ATM machines, were also affected, although operations now appear to have been restored.

BBC: South Korea network attack 'a computer virus'

Around 32, 000 computers were affected by the incident, and some services at Shinhan bank, including internet banking and ATM machines, were disrupted.

BBC: China IP address link to South Korea cyber-attack

This is in sharp contrast to the banking industry when it comes to offering Internet-based services.

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The recent rash of distributed denial-of-service attacks on large American banks has disrupted the delivery of banking services to consumer and commercial customers over the Internet for hours at a time.

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These services are also provided through alternative channels such as the internet and telephone banking.

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