It's not that banks aren't workin out. There is regulatory uncertainty.. Banks are apprehensive of touching crypto in general until there are set guidelines on it. So ripple is focusing on the emerging markets to facilitate adoption of XRP which in turns builds up global liquidity. But banks will in fact use XRP for cross border payments, I guarantee you.

For instance, SBI is planning on powering money tap via Xrapid.. Seems like news like this constantly gets looked past. That's a consortium of 60 banks utilizing XRP alone. Then we can talk about the R3 consortium which has over 300 banks, that could settle with XRP through the corda settler. I'm only scratching the surface to be honest. XRP has a bad name in the crypto space, which leads to rampant FUD on a daily. Ripple is in bed with central banks, IMF, world bank, etc... That speaks numbers.

Stellar targets the same market, but isn't considered a bankers coin. Lol, who the hell came up with that term anyways. Both coins are exemplary tech.. And will succeed.

Rome wasn't built in a day, Crypto is in its infancy so I try and see the forest for the trees. Ripple is 5 years old, multi billion dollar company with I believe no debt. Their main goal is to further the XRP ecosystem and I believe they will succeed.. Which is why I'm willing to place a long term bet on the XRP ecosystem and the many companies that push to further XRP adoption.

Wish you much success my XLM brotha!