Hey.
Yesterday I read an article about banks that began to use blockchain and there was pretty impressive list.
They're also described successful cases of using blockchain in banks (if you're interested -
here's the article), so I may assume that using blockchain in bank's system is only a matter of time (and money, of course).
Now, the question: why it takes THAT long the smaller banks to go the same way and start using the blockchain?
We should be talking about the bigger banks first and not smaller banks that can hardly make any impact. When the bigger banks starts to go into cryptocurrency there is no doubt that smaller banks are going to follow and so the same, but if you're expecting the smaller ones to do that first, then it's not going to work out.
And any bank that is creating cryptocurrency wouldn't go for the volatile option, they will prefer to create a cryptocurrency that is backed by assets, these are going to be stable coins. And you also have to know that these coins are not going to be a replacement, they are going to work together with fiat and be a faster means of transactions.