Yeah very classical and common articles are published for ripple and I don't take these articles serious because they publish these on purpose.
Ripple is not for banking usage only.
Look here at the Ripple statement:
https://ripple.com/insights/the-importance-of-speed-and-efficiency-in-payments/Can we consider this as a roadmap of the Ripple? I guess yes.
"1. Marketplace companies (and their customers)
Every day, companies like Amazon, Airbnb and Facebook make
millions of low value payments to their merchant partners, accommodation hosts and app developers around the world.
Making these transactions more efficient will save these businesses money, allow their partners to be paid faster and, ultimately, benefit the consumer with lower prices and better service.
2. Artists and artisans
Musicians, photographers, craftmakers and other creatives currently rely on intermediaries to distribute their creations, such as record labels, art galleries or an online store like Etsy. Singer Imogen Heap has used blockchain to sell her music directly to her fans and simpler,
cheaper payments can help create new direct relationships between creatives and their customers.
3. Underbanked markets and people
The potential of many emerging markets is often untapped because they remain hard to access in terms of exchanging payments. Business and individuals currently shut out from commercial banking will benefit from the
ability to make fast and effective peer-to-peer transfers. This boost to their economic potential will also enable them to eventually become part of the traditional financial institutions.
4. Governments
In the UK, $3.5 billion of welfare payments are currently overpaid through fraud, claimant or official error. This is why the UK government is trialing blockchain for these payments with the aim of reducing incorrect payments. That’s just one example of how a more efficient payments system will help governments around the world save money, run more effectively and benefit citizens.
5. Innovators
One of the most intriguing possibilities of the
Internet of Things is how connected devices will make payments on behalf of their owners. As our vehicles become more connected, they will be able to pay for parking automatically. If self-driving cars became an everyday reality, in-car entertainment services will become more important and people will access music, videos and more on a pay-per-usage basis. However, these micropayments depend on fast and cost-effective processing to be viable.
6. Financial services
According to McKinsey, more efficient cross-border payments will help banks generate $50-60 billion in new value from increased activity, reduced costs and the release of capital. In a 2015 report, Santander InnoVentures stated that “blockchain could generate cost savings in cross-border payments of $15-20 billion per year by 2022”.
"
