Banking institutions have learned that they are missing out on not accepting cryptocurrency, the reason why now some are partnering with some existing cryptocurrency. Unlike in the earlier years of cryptocurrency, banks are very hesitant and even giving warning to people who are actively participating in the cryptocurreny market. Some central bank even banned the use of cryptocurrency but due to the performance of the cryptocurrency industry, some banks are now accepting Bitcoin as mode of payment. and even some of them are investing in the knowledge to learn about cryptocurrency.
Banks really using cryptocurrency? Think again. As far as decentralized cryptocurrency like Bitcoin is concerned it's very unlikely that centralized financial institutes like Banks will ever use them. They are using centralized cryptocurrency like XRP or USDT.
We need to understand this thing that governments and banks have no objection on use of centralized cryptocurrency but the decentralized ones. Today's centralized cryptocurrency are no way near to original model proposed by Satoshi Nakamoto, i.e. peer to peer electronic cash transfer.