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The term cloud refers to a collection of computers, each with its separate processing and storage engines, which are interconnected and operate with a single interface. The interface is a complex computer program with built‐in intelligence to automatically distribute the workload and the storage capacity among the participating machines. The cloud enables companies to reduce their data storage and processing costs by outsourcing at least some of their infrastructure and data storage.

A great example of a successful cloud deployment is Tradier.

According to Forbes, Tradier offers a brokerage‐account management system, a trading engine, and some market data. It then hands them off to application developers who can launch their own trading platforms, mobile apps, algorithmic trading systems, or other customized features for their customers, who are traders and investors who want to play the markets their own way. Account settings and market data are based in the cloud, so customers can log in to, and trade from, any of Tradier's developer partners.

As Dan Raju, the CEO of Charlotte, N.C.–based Tradier, explains it, “Tradier has decoupled the individual brokerage account from the front‐end investing experience.” Raju believes that his firm is offering a democratic platform that gives everyone access to the same cloud‐based engine that powers retail trading. He thinks of the developers as delivering “that most innovative last mile” to the trader, while the nuts and bolts of account management, tax reporting, funding, and so on are handled by Tradier.