Why aren t banks using XRP?

I'm curious, why aren't banks utilizing XRP? Given its touted benefits in terms of speed, scalability, and cost-efficiency, it seems like a natural fit for the financial industry. Could it be that they're skeptical about the technology? Or is it more about regulatory uncertainties? Maybe they're waiting for more widespread adoption before jumping in? It would be interesting to know what's holding them back from adopting XRP. It seems like a missed opportunity, considering the potential it offers in streamlining cross-border payments and other financial transactions.