Will banks use Stellar?

Could you please enlighten me on a matter related to the cryptocurrency world? I've been hearing quite a buzz about Stellar, and I'm curious to know if banks are considering incorporating it into their systems. Given its purported advantages like fast transactions and low fees, do you think it's a viable option for traditional financial institutions? Would banks potentially adopt Stellar for cross-border payments or other financial services? Or are there any specific challenges or concerns that might hinder its widespread adoption? I'm eager to understand the potential impact Stellar could have on the banking industry.