Businesses are becoming more agile through the convergence of social media, mobility, analytics and cloud computing technologies known as SMAC. By 2020, it is predicted that 31 billion devices and 4 billion people will be connected to the internet. Leading retailers are spending 20-25% of their advertising budgets on social media and the social commerce market is forecast to reach $30 billion by 2015. The mobility of technologies allows financial transactions to be cut by 80% and nearly 90% of banks use social media for customer engagement. Trillions in IT budgets are moving to software as a service and cloud platforms.