Such a customer may still have to continue through branch based banking and may not really feel the benefits of technology at all. An issue that has caught the fancy of all, these days is Cloud computing which as you know may be understood as “a model for enabling convenient, on-demand network access to a shared pool of configurable computing resources (e.g.
networks, servers, storage, applications, and services)”. However, the processes for Cloud accreditation, Cloud audit assurance, etc. are yet to mature. Further, issues relating to Cloud Governance, data security and privacy for customers of banks, etc. are also yet to be completely examined.