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
If this is the fact then Ripple should not be in the third position, even wrestled the second position to Ethereum, months ago, Ripple has a great team composition and they had tons of shill army in a various social media channel.