Well the whole enchilada at this point is precisely debating -or trolling, if you prefer- the common sense merits of a projects and the possibilities of it finally breaking the barrier and entering the mainstream of the real world. Now, from that perspective, can you tell me again what would be the advantage of a bank using this, as oppose of the private networks they already use? will they eliminate one step in the chain of events from the window to the ledger? I just can't see it, sorry. How will security be improved -with respect to what the now have-, by using a "master network" (the Ardor main one) they have no control whatsoever over and that, regardless whatever it is pretended here or anywhere, is not just susceptible but even prone to outside and successful attacks? Please lets not forget that about a year or so NXT was successfully attacked (and robbed). How on earth is ANY mainstream enterprise ever going to trust their security -and funds- to a system that is constantly the object of thefts and security violation, even in the case of the top of the line, cutting edge technology (arguably), like ETH? How can a responsible, successful, CEO be convinced any of this is actually, practically, viable?

The answer that time will tell is simply not good enough. Enough time and we will all be bald. And dead.