This document discusses the transition from desktop to web to ubiquitous computing using the example of Finicity, a personal finance software company. It describes Finicity's early products as desktop-based software and an early web application built with AJAX. It advocates for an "ubiquitous computing" approach where information is available anywhere through mobile and location-based services. Building ubiquitous systems requires considering factors like privacy, transparency and users' ability to opt out of services.