
Nice post Lynne. This is a great approach from Humana that engages patients in new ways. I would expect this will raise the bar for others to follow..

In thinking about this, it seems like the biggest barrier to adoption will be the perceived security risks of taking financial services into the "cloud". I know this was a very real problem that early "grid" suppliers ran into - specifically Sun. But perhaps even more than security, there's the question of a perceived loss of competitive advantage on the part of FS companies. IT for so long has been a key part of their competitive advantage - this will be tough to change.