This actually surprises me, given everything we've reported and heard industry folks discuss about security concerns @ the cloud, etc. I'm not surprised that there are issues, but am surprised that the problem is so extensive in financial services. But I guess it comes down to human nature, as Rajiv Gupta says: "Employees in financial services are no different than employees anywhere. We all want to get our jobs done in an efficient way. We choose highly usable, flexible, scalable services in our personal lives, and we want to use the same things in our professional lives." It's kind of a Pandora's box, in that there's no going back on restricting employees' use of these cloud-based capabilities. Financial services firms have to figure out how to channel this aspect of consumerization to boost productivity and employee engagement without increasing risks.