Think about it, why would the largest banks in the world who have developed systems which are better than what most cryptocurrencies are currently now, thirty years ago be interested in using XRP as oppose to developing thier own? Perhaps they are using Ripple as a consulting company, but they have hundreds of billions of dollars and thousands of the brightest minds working for them. They don't need XRP. XRP needs the banks.
Think about it, the supply of XRP is huge and the founders and original people involved stand to make billions, the tech can easily be copied and improved upon for that price. Banks aren't stupid they are the richest organizations to have ever existed for a reason. You don't get rich writing cheques. I'd be surprised if XRP hits 5 dollars accounting for inflation.
Think about it, why would largest banks in the world use SWIFT, as oppose to developing their own?
Banks did create a network, its called SWIFT. You know its owned by the banks?