Abstract: A cloud information service provides information delivery substantially in real-time to in-network users and out-of-network users. Information delivered is formatted to appear visually as a card (a “smartcard”) for both in-network and out-of-network users. Real-time communication by way of messaging is enabled with any user whether they are in-network or out-of-network. Users of the cloud information service may employ mobile devices or desktop or laptop computers. Updates in substantially real-time are provided to the smartcards as the data sources change. The data sources may include enterprise and Internet data. The information is provided in a manner to remain current for mobile users and is efficient for mobile networks that can often experience poor connectivity and limited bandwidth.