Every employee at Workday thinks about how they are going to help customers be successful. It is a simple formula, but a lot of companies go out, and they don't listen to their customers; they don't try to solve hard problems, making it tougher for themselves to create a great business.

The iPad is an amazing phenomenon. It is disrupting the enterprise. If you are an average employee, you can do anything for HR and Finance on the iPad.

There's no question: the finance market is moving into the cloud.