Yeah, the banking and things like that probably wouldn't work well or at all. My previous phones were all de-Googled android, and a lot of that type of thing didn't work without Google Play Services. This phone is also a custom version of Android without the Google bits, so it would probably be the same issue.

The photo sharing I'm afraid I don't have a lot of ideas on, other than what you mentioned. It is possible to add non Mudita apps, so you might be able to get a camera app working. I know the Olympus/OM Systems app (the camera brand I use) wouldn't work on my other phones due to having the Google services stripped out of them though.