Re: Back up plan? What planet are they on?
"It also shows just how out of touch the regulatory bodies are to suggest modern banking could switch over to manual! There is no plan B - rapid recovery of the service is the only feasible course of action and is where the focus should remain."
It's not necessarily so simple.
What the TSB incident shows - or at least what we're told - is that the core systems were OK but that it was the surrounding access layers were the problem and that that affected online, telephone and the branch systems. If the were various access routes (from the customer perspective) didn't depend on a common access layer the system would have been more resilient in that if the online access failed telephone service would have been possible and if ATMs didn't work cash could be obtained over the counter.
If a bank's customers are left effectively destitute "it's too complicated" isn't an acceptable answer.