Not sure if blockchain is too slow, but banks are inherently slow to implement major changes like this. And they tend to look at many options, then test more than one, then maybe do a slow roll out. Based on that and the hype ripple does saying it has signed this bank or that, I think it's sooo over priced. Also banks tend to want to keep private who they work w for security. So I see the Factom type of approach (zero hype) working better w banks.