That's very true of the high street banks, they move at a pace that makes a glacier look like the road runner

But don't forget there are many hundreds of small fintech start ups that are already taking risks on customers that the banks aren't willing to touch. However though despite this much of what the startups provide still actually relies entirely on the (slow and expensive) international banking network. If an 'off grid' network was built around XRP (or any other cryptocurrency that promises low fees and fast transactions) that bypasses much of the big bank infrastructure then I'm highly confident the fintech startups would use it.