Will Steller/Ripple succeed?

I've only recently started trading and researching some of the various altcoins but I found myself remembering various old articles talking about the banks making their own cryptocurrencies. Here's a few I could find.

http://www.businessinsider.com/bank-of-england-created-own-bitcoin-rscoin-2016-8

https://www.cryptocoinsnews.com/blockchain-token-four-big-banks/

https://www.bloomberg.com/news/articles/2017-02-23/pboc-is-going-digital-as-mobile-payments-boom-transforms-economy

Just what I found doing a quick search.

Now I'm pretty new to all of this, and I realize most of us are speculating with hopes of good returns but why would any major bank want to use the public's transfer method when they can have their own? While the rest of us have to worry about fluctuating prices and markets they can trade amongst themselves and reinvent the wire transfer without the need of Ripple or any other crypto trying to sell itself to them, and frankly it seems like they have been planning on it for quite awhile now.

All that being said I am -far- from an expert and more than anything I am curious what you guys think, I realize some banks have picked up Ripple but will they toss it for 'accepted' banking methods a year from now?