For banks to use some improved technology to facilitate their international payments, they need two big things.
First, there's everything but the movement of money. That's governance, rulebooks, integration, compliance, and so on. Ripple is building this with things like Ripple Connect and the GPSG. When Ripple signs a bank, that bank buys Ripple Connect, a software product that integrates with their existing systems and permits the money to move various different ways. Often, when they fir