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.
Well many of us are aware that ripple is as you said but saying that a new ATH will be achieved in 2020 isn't exactly useful information. Every crypto that will be successful over the coming years will reach a new ATH and the only real thing that can stop the good coins such as ripple is if the whole market takes a crash but presuming adoption increases all good altcoins will reach a new ATH pretty much each and every year.