The back-end is great, no doubt about it.
But the GUI is more like a solid proof of concept showing how to connect a Graphene back-end with a javascript front-end.
Hopefully third-party companies will take it as a starting point, improve UX and expand it further.
So I'd say the current GUI is nice, it has a big potential but it is still work-in-progress and was released to the public prematurely imo.
If I were a big bank I wouldn't dare to release an interface to a financial system at this stage of development.
But I understand that BitShares is not a proper company with unlimited funding so maybe different rules apply.