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
As practice shows, Ripple continues to work and develop steadily. Recent data confirm that the scale of the project is only increasing. I do not think that we will see the failure of the XRP anytime soon. Most likely, he will be able to improve his position as the crypto market recovers.