Don't play with banks... you'll get burnt. Ripple knows that.
Now, on a more serious note: XRP is not here to replace bank legders or internal systems. It is waaay too expensive for that.
XRP has value in interbanking operations: connecting banks together.
That is why they speak with GOVERNMENTS, not banks.
It may become a global protocol for interbank exchanges, at a massive scale (= becomes bigger than BTC in MarketCap, small probability)... or just get f**k*d in the a** by the banking system and the governments (most probable)
Good luck. XRP is a moonshot today. A huge one... but still a moonshot.