Ripple is hinting very strongly that their new platform X-Rapid will be released within a month. Ripple is partnered with 120 banks but none of them actually use ripple on a production basis although some have been testing X-rapid in Beta. When this X-rapid platform launches, it should greatly increase to speed of transactions as well as reduce the cost of transactions and that will hopefully bring these partners on in a production use sense and start generation volume and revenue for Ripple. A big early adopter could be Western Union as some of their competitors have already adopted XLM and they most likely do not want to be left behind when it comes to blockchain and technology. Hopefully X-rapid bring XRP to new heights.