I think that SOME banks will use Ripple for convenience until they have an insider token - isn't SWIFT already working on something ? Ripple may get a foot in with some banks, but I doubt they will be the THANG, certainly not for the duration. Banking business hates outsiders.

Lumens are not aimed at financial institutions, they're aimed at anybody. There's a project between IBM and some South Pacific island nations I believe, where they use Lumens for their intra payments. Everybody will tell you such arrangements are temporary, but Lumens are aimed at small businesses who could turn into a sort of Western Union stations using XLM... see what I mean ?
Ideally, everybody can use it.

So, Russia just proposed an "international crypto" for payments between countries.
These people will not use Bitcoin or Ripple for such purposes, that's delusional - they will generate their own, they want central control. They may adapt protocols and know how from one or the other coins or tokens, but they will use their own and so will the banks.

But that doesn't mean people cannot use something else among themselves, as long as it doesn't get outlawed outright, I can also envision smaller, not so liquid 3rd world nations use available tokens that are already on the market now.
In any case, Western Union is a legal business in most countries, why shouldn't Stellar Union be, or WU use Stellar, or the next door travel agency use it without WU - and so on ?
They might even want to use Ripple, but I somehow doubt that.