Some bold predictions but turns out you were WAY off on Ripple!
Digital Currency Ripple Soars 70% Overnight
http://fortune.com/2017/08/23/ripple/
Yes you are correct in your assertion that banks move slow, but what do you think moves the needle in terms of crypto value more - Individual investors or Institutional investors?
My money is on big money, hence why I've been long on XRP for ages.
Even on their own site they are only pitching to big financial institutions and don't really care about individual traders.
As someone who used to work in both retail and corporate finance, the problem Ripple is trying to solve (i.e. replacing SWIFT payments which are old, slow and expensive) is a godsend to banks and thats why there are so many on board already.
So yes, banks are usually slow to adopt. But when it comes to something that is cater for them and designed to make them more money, they up the tempo pretty darn quick!