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Cloud computing continues as a leading business trend driving business strategy, ranking third in our Top 10 Technology Trends assessment. A virtual model of information technology delivery, cloud provides ubiquitous, convenient and on-demand access to a wide variety of technology-based information and services, including applications, data storage and infrastructure. We believe it is one of the top value-producing digital technologies because, unlike traditionally sourced IT services, cloud-based systems are easy to deploy and require little resource involvement, virtually no capital investment or significant support structure to integrate. Even businesses that have embraced cloud can derive more value from further adoption and integration into their organizations’ business strategy. One note of caution: some engagement models have higher costs per user and security, privacy and other risk needs to be considered when making investments.