Some people argue they don't like it because it is the banker's coin of choice. They miss the point that XRP accelerates the adoption of blockchain technology among banks allowing you and me to finally hold our money and tokenized securities in our own wallets.
And yes the banks need Ripple the software plus XRP the coin to achieve true savings in global crossboarder payments.
Buying on dips.
They also have a system called Xvia - but that is for another day (and yes XRP can be used on Xvia too). What Ripple the company is doing is brilliant...they are testing everything real time while gaining the trust of major banks/institutions. They are doing this on their XCurrent / Interledger system. THEN they are showing the banks what is next, which is XRP coin. Of 1,400+ coins/tokens out there Ripple company is one of the few gaining the banks' trust first. Trust with a T is paramount, a must. They are smart, smart, smart business owners/managers running Ripple. XRP is going to zoom up and it is only a matter of time. People saying "banks don't use XRP" are correct today....but not in the future.
To benefit they must use Ripple technology **combined** with XRP. Ripple technology will only allow them to bypass the SWIFT network, not a considerable saving nor any big time saver. Only when coupled with XRP the time and money savings kick-in.
People can be intelligent but still not get something ... because they focus on something else and spend little time to read/research about the other.