Frankly speaking, I did not even read the full article but bullet points of your post tells me that XRP could be positive in many senses as the banking sectors will start using it. However one should know that XRP is the crypto coin and symbol of the Ripple company but it is not truly getting invested by the banks. Banks are going to invest in their transaction technology or blockchain in short to improve their world. Thus XRP is still going to be shit coin as it was earlier. It will be more or less coin with investment made by you and me and nothing else. Banks will literally laugh at us after thinking that we are waiting for their approval and XRP boom.