Well, as much as the banks and other financial institutions are in the run for an alternative to bitcoin, I can honestly say that it will not be easy to beat bitcoins from its game. This is a digital currency that has been deeply rooted in peoples mind and is growing day and night irrespective of the negative publicity it is getting.  What I know is that the banks are trying to come up with a currency that they will have control over now that they don't have it on bitcoins...