Ripple and Stellar Lumens will probably play a large role in the inter-bank payment system. In the end, that is fine with overall costs of (international and national) payments decreasing.
For those that want to pay outside of the banking system, numerous crypto networks already exist (Bitcoin, Ethereum, dark coins like Sumokoin, DeepOnion and Monero) and will continue to exist. I also expect exchanges and/or crypto credit card providers to merge into or move towards becoming payment hubs, providing for Lightning Network type of payments between their users and - in the end - globally between those payment hubs.
Crypto is slowly merging into the existing world and the existing world is slowly (but slower than crypto) merging into the crypto world.
Thank you. It is good to hear that competition is already causing banking charges to decrease. Your description of the slowly melding of the Crypto and orthodox financial worlds already going on, is interesting. I did not expect it to be bloodless !