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Several species of white flies do significantly infest ornamentals in Florida--gardenias, coconut palms, and others being more common hosts, but many other ornamentals are affected. We'd recommend that you or your neighbor check if the banyan tree is indeed having a white fly problem or some other cultural, pest, or disease problem. If white fly, then there are several biological and chemical controls to use, depending on the species. It would be best if one could take a sample to your local Cooperative Extension or garden center, or have an arborist/landscape professional take a look, so that the proper controls could be recommended.
In general, white fly larvae and adults feed on the undersides of the leaves, sucking sap. This may leave spots on the top sides of leaves; the leaves may eventually yellow and fall off. The honeydew that the insects excrete can lead to sooty mold.
For more information, see:
http://www.edis.ifas.ufl.edu/mg254
http://entomology.ifas.ufl.edu/stocks/white_website/filmstrip.html
http://www.palmbeachpost.com/news/news/whiteflies-hit-palm-beach-county-homeowners-trees-/nRChk/
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