Not knocking Stellar, I like them too, but......
Ripple created RippleNet and xCurrent along with xRapid. Gain partnerships, develop a very fast cross boarder solution, work with all regulatory bodies in the background, then offer solutions to your partners, such as liquidity via XRP as a bridge currency. No longer needing Nostro accounts where Banking money is held (tied up) for days upon days.
Other solutions try and ram Crypto into the industry such as Stellar Luments (XLM) which also solves cross-border issues, but this ends up being a slow and painful process. Banks aren't simply going to dump fiat for a crypto token, especially when they need to meet regulatory approval.
RE: Ripple vs. SWIFT in 2019