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
It could have been better to read more about XRP before posting, but point of correction XRP is a centralize project and it is supported by banks.
Again XRP will not mark died as you think and it is one of the potential coins i have witness that big investors have invest in it.