I think a lot of people are already using it now and by 20120 I believe many banking systems will incorporate bitcoin or similar blockchain technologies. Already Sweden is looking into a digital Krona and other banks are also looking to assimilate bitcoin technology.
By 20120 means i think it is taking nearly 18103 years to implemo be implemented by banking system. Banking system won't take that many years to implement block chain technologyn not only sweden even many countries are showing interest towards digital currency and want to implement in their countries very soon.