Convertinq's Cloud

摘要

Consumers increasingly expect to conduct banking business when and where they chose, order products through their mobile device, and stay connected to friends and family wherever there is a WiFi or wireless signal. Data, applications, and communication tools are increasingly hosted in the cloud and savvy consumers can run their mobile lives from a multitude of devices like smart phones, tablet computers, laptops, and public computers connected to the internet. Businesses that serve consumers are offering these services, in most cases, free of charge. Some even charge a penalty for accessing information and performing transactions with a live person. Airlines have been charging us for years to make reservations through telephone agents, and some banks provide higher interest rates for "online" savings accounts as long as all transactions occur electronically and without a teller.