Do not get me wrong, I love SharePoint but I am always objective for my end users and tell the truth about SharePoint. Things that can be done with SharePoint and things were SharePoint is not designed for.
What do you tell your customer about SharePoint and when would you endorse or reject it?
I was also trying to understand this about 3 years back and found some blogs mentioning that SharePoint is not a good candidate to develop Transactional Systems.
Does anyone know of any Bank which is using SharePoint for the day-to-day customer transaction?
IMO SharePoint will never replace the existing products/applications compeltely. But it will be used as a One Place content management portal, with capabilities to connect to external systems and show the data within it.