The four words here that jump out at me are "business functions that matter."

Interesting that you think financial institutions will close their data centers in a few years as they migrate to the cloud. Fact is customers would and should not know the difference.    

Being able to log into your `desktop' from anywhere is mobile...as long you have a laptop or a display big enough to make working that way worthwhile. Another way to achieve this is the cloud -- to the extent your desktop is in the cloud.    

That's an interesting take, Yves. That the folks creating the tools along with  selecting, organizating, cleaning and analyzing the data will be doing it for someone much higher in the management food chain. I wonder if this is the way it works for Jeff Bezos at Amazon...Page and Brin at Google.