Ripple doesn't solve any problems. It's just another middleman charging more fees from your bank account. They don't have a store of value. They don't protect privacy. They can't be sent for free speech. Ripple doesn't do anything you can't do with fiat money. ApplePay will bury Ripple.
ApplyPay may do well this year, but it's largely a way of putting a bunch of your credit cards on your phone...doesn't seem all that exciting. Any plans to use it for remittance? Seems that's one of Ripple's potential edges. It ain't easy for regular people to move money around the world cheap. Bitcoin projects have tried to address it but not much so far.