Cloud provides the ability to provide a product anywhere through centralised services on the net. Big data allows a bank to leverage those services anywhere on the net with a highly targeted 1:1 offer. Take the example that I use regularly of proactively targeting an individual with service on the net. The idea is that as I am walking down the street, you will know where I am, what I am doing and what I might need. I might be walking past a store and your front end nudges me that I qualify for a discount coupon in this store.

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