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"After receiving their remittance in Nequi, users can use the app to send money to other people, make digital and physical payments," said Maria del Pilar Correa of Nequi.

"I am talking about a continuation of the kind of positive disruption that has already taken hold in Colombia, and which is rapidly changing the financial landscape."

Over the past decade, the cloud has moved from something that was something of a novelty to an essential business service. Before, what was seen as a tech-world phenomenon that some companies found use for is now simply a part of the everyday fabric of operations. Amazon Web...