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
Yes, Ripple has a problem that everything is tied up on banks, but as we can see, even this brings results, and I am sure that the Ripple can be a coin for payment precisely because of its centralization and more stable pricing policy.