Personally I think it would be considered a success, swift sucks, ACH sucks - Ripple giving us a way to apply a lot of the benefits a decentralized cryptocurrency purports to provide (cheap, fast transactions) would be wonderful.

Hell, I would love if I could track payment remits through Ripple someday - stop dealing with the terrible EDI formats our bank dumps to us on a daily basis and just monitor the blockchain. We could have knowledge about payments in real-time AND have a much saner time dealing with them.