There is clearly something powerful happening in the fintech space. As the G20 makes it a priority for cross border payments, regulators have a fire lit under their bum to hurry up with regulations. However, it's not as easy as it sounds there are data, privacy, kyc, aml, etc to worry about at the same time crypto rails are offering cheaper faster solutions. The private sector IE Ripple and the XRP Ledger can process millions if not billions daily and for a small fee they can offer a cheaper faster solution. This is why the big banks are going to have to partner with ripple at some point and the devs that they hire will work on the XRPL.
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