One thing I want to confirm, Ripple is a token, and Bitcoin is a Crypto currency.
The banks of course will select the best thing to profit themselves but will the crowd need bank in the future. Think about that. You can transfer money to anywhere in the word, then WHY you need to go to the bank, deposit your cash, pay the transfer fee and wait few days with very limit amount. If you want a bigger amount, you must ask for permission in some countries. Then What would you think people like to do? Stay home with a few click on your laptop, smartphone, PC, etc. and your money will be transfer in just a few minutes or even few seconds without limitation. Think about that.