'Enterprise clients' which ripple seems to be focusing on have a tendency of picking more complicated solutions, Banks specifically have a kind of herd mentality when it comes to technology. Steem no doubt offers a better solution but they are just too blind to see it
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Ah, and I think one issue with banks using STEEM is that it doesn't have confidential or private transactions which banks will want, but does Ripple offer confidential/private TX's?
I doubt ripple offers that and to be fair confidential transactions would make it a hot bed for money laundering which might lead to heavy regulation.