Many financial institutions have shown interest in the Stellar Lumens, but…
Many financial institutions have shown interest in the Stellar Lumens, but that does not mean they will adopt it. It is possible that the banks are simply using the Lumen as a pilot test to then develop their own cryptocurrency.
Pros
Stellar ledger allows you to store offers that people have made to buy or sell coins. Offers are public commitments to exchange one type of credit for another at a predetermined rate. The ledger or ledger becomes a global market of offers.
Cons
Stellar Lumens is particularly tall. Technology is, without a doubt, quite innovative. However, that does not guarantee its long-term success.