If it's just a payment system, XRP shows a strong side, and the XRP team is also very keen to develop XRP sales channels. The passage of Ethereum seems to be very crowded.
Ripple has potential for this purpose but there are better alternatives. XRP is tested by WU if i remember correctly so it can be used for faster transactions. Blockchain technology is more secure,fast,affordable and more. Ethereum unlikely will be accepted by big bank and it is not efficient as others worldwidely.