Big/medium banks are never going to use Ripple, theyre only trying it out and will drop it then make their own technology (not de-centralized!)
Blockchain will change how we send money, but not through banks. Theyre completely against de-centralized control of financial system. We need blockchain solutions like Kora (
https://bitcointalk.org/index.php?topic=2876521.0) that are person to person and small business to small business
Ripple is not decentralized in fact by the way) Many people doesn't treat it like crypto as far as I know. And Ripple's features are very useful for banks, it's just that they needed. And even if the banks won't use XRP, this situation can easily cause some good pump here)