Today a lot of business sectors – such as finance, CRM, bookkeeping, data storage – are protected because of the large investments required to develop them. They have grown safely into market leaders because their competitors have been unable to make the necessary investments to compete with them. But now as these IT investments move into the clouds, there will no longer be any obstacles to protect market leaders from competition – for clients and consumers it means freedom of choice.

As a result, predator software companies will move up the food chain, devouring market share in sectors such as finance. Services previously protected by barriers of entry will no longer be a problem for such predators.

Above from the Sharkonomics book.