Nowadays, almost all financial institutions in Spain have their own online applications to pay with smartphones. This new trend has created important alliances between financial institutions with their own online applications and tech giants who share their platforms for mobile payments. According to a survey carried out by a financial institution, 67% of Spanish people already use mobile phones as a payment alternative, considering it simpler than other methods. Also of interest is that major Spanish companies are opting for the consumption of applications on a pay-peruse model. Studies estimate that, in less than a decade, 80% of enterprise applications will be stored in the cloud. These companies have opted to digitize their software related to sales, customer management, employees and employment portals, among others.