From all my cloud related conversations, I’m gaining a strong impression two worlds are colliding. On the one hand, most of the CIOs I talk to are focused on providing infrastructure-as-a-service (IaaS), whether it is internally to their business users, or externally as service providers. But when I look around me and talk to end-users, they seem interested in the delivery of “applications.” Many of them don’t even talk about cloud; they rather discuss app download and functionality. I’d say this is close to what SaaS (Software-as-a-Service) represents.