Actually I do believe that banks could very well use the Ripple network, or even adopt XRP for usage. However for the very reasons that I had listed above, I do not think this would translate to a price increase for Ripple's XRP token. The monthly release of up to 10 billion XRP into circulation isn't helping neither.
See:
Reasons I am now progressively converting my altcoins (including XRP) to Stellar (XLM) as Stellar price keeps falling.
1 ) A non-profit organization, and a decentralizing network.
2 ) Partnership with IBM
3 ) Targets the people and small businesses (especially in developing countries)rather than big mega banks and for-profit corporations.
4 ) Stellar is working towards functioning as a decentralized bank itself -- enticing users to keep their funds as XLM (rather than using it, like with XRP, simply to facilitate the quick transaction as a "bridging-token" before it is converted back into Fiat again).
5 ) Stellar is also working towards operating as a decentralized exchange of other cryptos.
6 ) Unlike the xRapid (XRP) token (where Ripple also offers xCurrent, and is/will be introducing other modes of transactions); the Lumens (XLM) token *actually* has to be adopted to utilize the Stellar network.
7 ) IMO, the XLM token has been way oversold by now; due to the lack of "hype" and as impatient short-term speculators progressively decides to cash out.
8 ) The released coins are distributed to the banks/companies that uses the XRP network; whereas, XLM instead distributes the fees collected from transactions (to prevent DDoS attacks) to the holders of XLM itself.
9 ) Unknown to many people, the XLM is *actually* also being increasingly adopted. But not big news as they are growing their presence in developing/third-world countries, and servicing the small business and the people there (especially foreign workers trying to send money home, etc.)
10 ) Ripple provides a service to the big-banks;
whereas Stellar competes directly against the big banks (e.g. a lot more potential there in terms of getting actual widespread adoption) to get people to use them as their decentralized bank.11 ) Similarly, Stellar also is setting up its own decentralized exchange to compete directly with centralized exchanges.
Basically, Stellar is doing so much more than what Ripple is doing with the XRP token, and most of the other cryptos too! And they are actually making real progress on those grounds too!
Stellar Lumens [XLM] might have hit bottom, their new wallet update to turn markets green?
https://bitcoinwarrior.net/2018/03/stellar-lumens-xlm-might-have-hit-bottom-their-new-wallet-update-to-turn-markets-green/
. As you can see BCH also listed on Coinbase but it's still crashed 
