My, how times have changed, as Thomas Vogelbacher can attest.

Based in Switzerland, Werkbank its German name means workbench in English has customers in a number of industries but specializes in financial services.

If you go to larger customers and you want to show your product, Oracle gives you a certain added value, Vogelbacher says.

Right now we re just in proof-of-concept mode, but the good thing about the cloud is that you can always scale it up, Vogelbacher says.

And this two-person shop can focus on product development rather than on administering databases.

Big banks are desperate for good ideas, he says, and the cloud makes it easier for small businesses to get business from large companies.

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