Xero is not a good UX. They do not offer very full accounting & finance tools.
And the tools they do offer are very half done. See projects for example.
They do not improve or add in services users ask for.
The UI is archaic, its laborious to use and painful.
The intergration spread it does have, is probably the only draw card.
You essentially have to buy 2 pieces of software to get a full accounting package.