This convergence will not only change how IT is done but how business is done too. But first we have to get through the messy collision part.
Mobile consumers will be the "disruptors" in the financial services market by increasing their use of purpose-built apps that provide focused value, while minimizing their interactions with their primary institution, predicts market research firm IDC.
The first platform was mainframes; the second was the shift to the PC; the third is not yet so clearly defined. However, the third is generally thought of as using mobile devices with cloud-based apps and data and adding a smattering of social and big data analytics to the pie. Is it here yet? Not quite.