The biggest advantage I see to this: with banks it’ll be easier and more convenient to get fiat for your BankCoin - at least in South-American countries.
Which is what (most) people ultimately care about.
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The attraction of cryptocurrencies is that they are decentralized and can’t be corrupted. Can’t be manipulated and are anonymous to varying degrees depending in the specific coin. These features are why people are abandoning the controlled and manipulated fiat currencies in droves toward the cryptos. Any cryprocurrency created by a bank will be centralized, and subject to the same controls and manipulation as fiat currency. I feel whatever the banks decide to do the cryptocurrencies will thrive.
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Bank and cryptocurrencies dont fit each other.
Banks will use crypto tech to improve their distribution system
while crypto currency makes banks obsolete.
I believe that cryptocoins created by banks, especially those that will have a fixed value(based on the countries own currency), will be a huge disappointment, as @doc and @Rasclaad pointed out people are attracted to crypto due to their decentralization and incorruptibility, both of which are lost in a national coin.
However the blockchain technology has a wide range of applications in banking services, that, if implemented, could improve by orders of magnitude the efficiency of the banking system. I do believe that in a few years blockchain will be the norm in the banking and financial services sphere, due to the fact that any companies that do not use it will be outperformed.
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