totally a speculation. I read in the news saying that the CBA and a multitude of other banks will be going to instant transfers 24/7/365 as of next year. From my past reading, I do know a few of the Australian banks were testing the ripple network. Does this mean they had a successful trial with Ripple and are now going to implement it? I say this because how else are they going to achieve 24/7/365 instant transfers cross banks/boarders?
-source of banks going to instant transfers http://www.sbs.com.au/news/Australian%20banks%20to%20allow%20fast%20bank%20transfers%20to%20different%20institutions