And for many it is still represented by sites like eLance, that create global markets for a range of tasks like web design, graphic design and coding.

FORBES: Could You Lose Your Job To The Cloud Some Time Soon?

Their options range from using online app-building tools, to taking crash courses in computer programming and coding languages, hiring a costly professional on contract, or recruiting a full-time developer.

WSJ: App Building, the Do-It-Yourself Way