Before users move from desktop to Cloud, Cloud providers require to dealing with consumers’ worry about confidentiality, authentication, authorization, availability, performance, backup, disaster recovery and SLAs. Security, availability and quality are among the most commonly addressed issues. Current security approaches make use of Public Key Infrastructure (PKI) and X.509 SSL certificates for authentication and authorization. Due to the lack of Cloud computing standards that address these issues, Cloud security, data privacy and ownership policies are handled differently by each Cloud provider.

According to Foundstone, security assessments can be addressed in many directions: (A) Architecture and design assessment (B) Cloud infrastructure security assessment (C) Governance, policies and procedures review. (A) Architecture and design assessment include Network topology, key assets, data storage and operation, input and output end points in system, trust boundaries, access controls, system and network isolation, administrative controls for Cloud vendor, administrative controls for business owner. (B) Cloud infrastructure security assessment include Internal and external penetration assessment, application or product penetration assessment, host security configuration assessment, Firewall security assessment, VPN/ remote access security assessment, physical security assessment, attack and penetration, information retrieval, pillage and cleanup.

Representative APR 391%. Average APR for this type of loans is 391%. Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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