Ripple is focused on getting into the banking scene but it's hard. They clearly have some connections since they go and promote themselves as a banking coin.
It's hard, it doesn't mean there's no way, because all the work has its own way and it takes time to fit in, ripple is a coin with a good and good banking concept, so it's not an impossible thing even though it's a little difficult.
Banking concept by the bankers so this makes no difference from the current fiat system other than the transaction are in Blockchain network,So I won't pick the ripple even over the current fiat because the chance of losing value on fiat is less than ripple.