I do not think that crypto will replace Banks totally. The most possible scenario is that blockchain technology is going to be adopted by the traditional banks and we will see such solutions as Ripple. But I hope we will still see fully decentralised banks.
It seems to me that I have already expressed my negative point of view about the XRP, but this is indeed a banking thing that will work and the bankers obviously will not miss this opportunity, but definitely this is not decentralization.