Banking apps intermittently fail to load or freeze on iPhone 18 Pro

Upgraded from iPhone 15 Pro to iPhone 18 Pro, initially on IOS 27 now on IOS 27.2. Intermittantly a number of banking apps will either be stuck at a spinning circle and will not load. This seems to happen with Capital One, FNBO, Affirm and maybe one other.Some like 5/3, Chase, Citibank do not seem to have problem. FNBO will load and I can see bank and credit balance but then screen is frozen and cannot go further. Capital One seems to spin and never open and Affirm will start to load and sometimes finish, sometimes not. Going into airplane mode or restarting phone seems to resolve and sometimes just trying later. Seems to occur on wifi and cellular. Was worse before I did a full reset but still occurs. Also had a number of issues adding cards back into Apple Wallet, some have worked, others I needed assistance from bank and one said I needed to wait 2-3 weeks to allow security block to lift from new phone and maybe multiple tries to add. I've checked all the common issues, reinstalled apps, check settings and didn't seem to resolve it, still very intermittent and unpredictable, hard to always duplicate or resolve with just same fix. I have a second iPhone 18 Pro for business use upgrades a few weeks before personal one from iPhone 16 Pro and when I loaded some of same banking apps they seem to work fine. All of them work fine from a Safari browser. Its very puzzling as pretty computer and IT smart at troubleshooting issues but these don't seem to be consistent enough to figure out cause or consistent solution. Many online searches see some similar issues but not specifically the same.