The answer differs, depending upon who is in the conversation.
If its you and me, then we get to the cloud when we launch a browser or an app on a smart device and connect to content that is stored on the Internet. Then it becomes a bit more complicated when we move files to “cloud” storage or back-up a device to a mysterious location “somewhere”
But for IBM, the answer is obviously much more complicated as they work with Enterprise customers who will probably make the progression from:
in a deliberate, planned process that solves a real business problem.
Thanks to Mrinal Jain and Thoughts on Cloud from IBM