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
I tend to agree, yes with the booming technological advancement nowadays, bank are trying it out to understand the importance of xrp but in the long run, they will create in their own, and not to be dependent of programs that are made by others, I mean it's hard to understand that banks are more secretive on their way,