Even if we keep the core Cloud computing technological issues aside, there are business perspective research agenda which are yet to be explored in detail. They can be classified as under: (1) Cloud computing economics (expense can be analyzed in conjunction with capacity investment decisions and QoS guarantees) (2) Strategy issues in Cloud computing (intra-organizational issues, cultural change, employees’ mind set for this changed scenario) (3) Cloud computing and IT strategy/policy issues (Data: privacy, security, ownership, consistent Business Policy, IT Audit Policy) (4) Technology adoption and implementation issues (Proposing the best application, moving in-house application to Cloud) (5) Cloud computing and green IT; and (6) Regulatory issues (Issues regarding government and International laws and regulations). (7) The problem of the return-on-investment (ROI) and the total-cost-of-ownership (TCO).

Cloud computing is a child of already available technologies such as virtualization, distributed computing, utility computing, and more recently networking, web and software services. It implies a service oriented architecture, reduced information technology overhead for the end-user, great flexibility, reduced total cost of ownership, on-demand services and many other things. There are security issues related to Cloud computing such as confidentiality, privacy and integrity. Therefore, it is noteworthy to make sure that proper security measures are in place. While these concerns may not be complete obstacles to adopting Cloud computing, undoubtedly they are major barriers. Cloud consumer should be prepared to present the consumer with detailed security and legal requirements applicable to their business needs and the nature of the information being stored or transacted. This paper discussed the security implications and research issues related to Cloud.

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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