Salesforce is going after vertical markets. Enough to overtake SAP? I doubt it will happen anytime soon.
"Is cloud adoption where we want it to be? Are firms like HSBC and other financial services firms getting the best out of cloud? Frankly we're not," concludes HSBC's head of research and innovation.
Bringing modern banking to the unbanked is only made possible by mobile technology. Here is Standard Bank South Africa's story which highlights the onboarding of three million new customers in 18 months.