I know I’m going to be attacked for this… but what is the use of ripple/XRP? It seems irrelevant in my country

I’m trying to understand what this would be used for. My country and most of Europe has instant transfers between people and the system seems to work well. We have had this for years now. Why would countries that already have this adopt ripple?

I see people often saying that banks, Apple and Amazon have adopted ripple technology but I can never see any real evidence of that. I know none of the banks that people say use it in Australia do as Osko is used and that’s not related to ripple. So where do these rumours come from?