"But the service won't use XRP, the startup's Bitcoin-like cryptocurrency." - David Z. Morris
You also can go to this link and check it out: http://fortune.com/2018/02/03/ripple-mobile-payments-santander/
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It's becoming obvious that ripple will be the core of mainstream financial institutions 1st generation blockchain applications. However, banking technology is always encapsulated, regulated and difficult to evolve or improve. Therefore, XRP has a greater likelihood of becoming a zombie than a top tie player in the medium term
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