Consumers used to run software on their own devices and store their data at home. They are now increasingly dependent on service-providers for both functionality and data-storage. Risk assessment techniques need to be applied to consumer contexts. These are diverse, covering many kinds of consumer devices, many different consumer profiles, and various consumer needs. A preliminary evaluation concludes that consumers who place reliance on outsourced consumer services may be seriously exposed, because the Terms of Service of mainstream service-providers offer very low levels of assurance about features critical to consumers' interests.
Clarke, Roger, "The Cloudy Future of Consumer Computing" (2011). BLED 2011 Proceedings. Paper 47.