Data security and privacy concerns will continue to be significant issues as technology advances. With large amounts of personal and business data being transmitted and stored electronically, opportunities for data breaches have increased dramatically. Technologies to analyze and use vast amounts of "Big Data" also raise serious security and privacy concerns. While cloud computing promises major cost savings, it also increases data security and privacy risks as more applications and resources are accessed online. The rapid growth of mobile payments and wearable computers also introduces new liability questions around unauthorized access and use of accounts or devices.