In the given passage, there are blanks, each of which has been numbered. Against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.
The emergence of a cloud based banking will affect banks big and small. Banks are expected to spend almost $ 180 billion on IT this year. At present, cloud based services make up a (31) fraction of this amount but some estimates (32) by financial services firms on the cloud will (33) $ 26 billion in 2015: This increase should (34) barriers to entry for newcomers which can (35) modern IT infrastructure at monthly fees of less than $ 10000 (36) having to invest tens of millions of dollars upfront (37) build their own secure data entries and it should (38) enable big banks to become much more cost of (39). Small firms without traditional computer systems to maintain are the fastest movers. (40) can type documents, run spreadsheets and read e-mails in the cloud. Keeping track of clients, payments and loans can be done on a cloud computing platform using a specially banking software.