Some hardcore crypto folks don't like ripple because the banks use it to transfer money instead of the swift system specifically the japanese central bank, they think since the big banks are involved that its against the spirit of what crypto is. On the other hand it may have some upside potential if the big banks adopt it more and it is actually being implemented which is more than i can say for alot of these other coins.
thats why i believe it has potential as the banks will save money using it