That is complete BS. Ripple is a token that can be used to transport values, it isn't centralized either, and I doubt the banks are really going to adopt it in the long run.
None own any of the tokens any more than buyers at the exchanges do.
This doesn't mean I have a lot of sympathy for Ripple, I would rather go for Stellar Lumens which are a perfect exchange token for individuals and merchants especially in the third world - very easy going and certainly without bankers influence.
While Ripple is marketed to the banks by its makers, Stellar is not - it might turn into a sort of Western Union replacement soon, and everyone can run their own "agency."
It is not, Ripple, the company pre-mined all the supply (100 billion) and holds about 70% of it. They plan to get rid of it slowly and plans to still keeping 50% (50 billion) of it by 2021.
Even when the HAVE a use case, there is to much supply around and they can manipulate at any time...
Not saying that it won't go up, but you will be in the hands of Ripple