Ripple has great technology on banking sector. It will increase transaction speed many times. It has advanced technical team and excellent road map. So, in my prediction, it will make new highs on 2020 and best to invest.
I'm not sure about that. Ripple is trying to establish itself in the banking sector but it is not alone on that race. Stellar Lumens is "backed" by IBM and has the same potencial. You can say the same about IOTA, and I heard they have a partnership with Microsoft. Although they are more tied to the micro-payments market they could probably compete with Stellar and Ripple as well. I still hasn't read many things about Cardano, but maybe they are a similar coin. So I can't really say that ripple will be the chosen technology for the banking sector, because there are plenty of strong options out there.