This presentation discusses the evolution of banking from in-person to online and mobile, and how users now demand access to their data from any device. It argues that access to data is now more important than where the data is stored. The presentation then discusses how people are motivated more by an organization's purpose rather than just its products. It provides statistics on smartphone usage in Australia and discusses the need for work-life balance and supporting a mobile workforce. Finally, it discusses how cloud computing can help lower business costs and shows examples of Australian companies and motorsports teams using Microsoft cloud solutions.