>>FoxInCloud provides the same application support on desktop and Web, and the possibility for additional HTML/CSS/JS features for those who want that.

I understand that, and it's impressive. But for the user at the end using the app: apart from decoration, how does the app allow the customer to deliver service better than in the Win95 days? How has the customer been able to transform its own service delivery because of the cool IT?

I can give you one example: my US bank allows me to photograph checks with a device to deposit the $, which you'll understand matters a lot to somebody who wanders outside the US. ;-) For years I had to mail the checks, but now the bank has this wonderful technology. But here's what I'm asking: why is a check sent to me in the first place? Why isn't it simply deposited electronically, as it would be in France? We don't want to be too impressed by technology that locks in old ways of doing things. This is where IT is stuck today, focused on old ways of doing things in a different packet.
And one last thing: whlle the bank's device deposits are easier than posting a check, does it transform the way I deliver business? No. In the end, it's the same "bank your income" behavior in a different packet. I am not arguing against the value of the different packaging, I'm saying that for the most part, massive IT churn fails to deliver the serious benefits that justify the cost. People know this without necessarily articulating it, which is why there has been resistance to Windows upgrades and the reason why Android won the mobile race, not least since you might as well choose the free OS if there's no significant point of difference.